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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
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 | $23,295 | $91,179-74.5% | $178,499-86.9% | $79,852-70.8% |
| Participation rate | 29.7% | 69.2%-39.5pp | 81.9%-52.3pp | 69.6%-40.0pp |
| Annual return | 16.60% | 24.19%-7.6pp | 151.10%-134.5pp | 31.72%-15.1pp |
| Employer contribution / active EE | $514 | $3,256-84.2% | $5,011-89.7% | $2,471-79.2% |
| Participant deferral / active EE | $839 | $3,236-74.1% | $5,202-83.9% | $3,740-77.6% |
| Admin fee / account holder | $20 | $6,749-99.7% | $13,986-99.9% | $5,306-99.6% |