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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $3,172 | $80,753-96.1% | $136,297-97.7% | $62,293-94.9% |
| Participation rate | 50.6% | 73.5%-22.9pp | 81.9%-31.3pp | 69.5%-18.9pp |
| Annual return | -11.76% | 35.83%-47.6pp | 5156.19%-5168.0pp | 28.90%-40.7pp |
| Employer contribution / active EE | $713 | $2,884-75.3% | $4,696-84.8% | $2,042-65.1% |
| Participant deferral / active EE | $270 | $5,164-94.8% | $6,247-95.7% | $3,169-91.5% |
| Admin fee / account holder | $17 | $525-96.8% | $9,244-99.8% | $479-96.5% |