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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,238 | $55,453-61.7% | $170,435-87.5% | $62,293-65.9% |
| Participation rate | 63.7% | 66.4%-2.7pp | 83.6%-19.9pp | 69.5%-5.8pp |
| Annual return | 15.70% | 21.38%-5.7pp | 205.94%-190.2pp | 28.90%-13.2pp |
| Employer contribution / active EE | $532 | $2,164-75.4% | $5,432-90.2% | $2,042-73.9% |
| Participant deferral / active EE | $1,512 | $2,303-34.3% | $4,939-69.4% | $3,169-52.3% |
| Admin fee / account holder | $9 | $455-97.9% | $13,881-99.9% | $479-98.0% |