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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $30,308 | $54,237-44.1% | $90,324-66.4% | $67,582-55.2% |
| Participation rate | 22.8% | 68.6%-45.8pp | 73.3%-50.5pp | 71.3%-48.5pp |
| Annual return | 24.42% | 37.27%-12.9pp | 78.15%-53.7pp | 378.57%-354.2pp |
| Employer contribution / active EE | $51 | $1,846-97.2% | $2,856-98.2% | $2,148-97.6% |
| Participant deferral / active EE | $830 | $2,625-68.4% | $3,885-78.6% | $3,539-76.5% |
| Admin fee / account holder | $46 | $123-62.8% | $5,356-99.1% | $142-67.7% |