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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,925 | $60,128-81.8% | $90,440-87.9% | $79,852-86.3% |
| Participation rate | 62.7% | 65.0%-2.3pp | 72.7%-10.0pp | 69.6%-7.0pp |
| Annual return | 4.61% | 71.95%-67.3pp | 1294.38%-1289.8pp | 31.72%-27.1pp |
| Employer contribution / active EE | $982 | $2,068-52.5% | $3,263-69.9% | $2,471-60.3% |
| Participant deferral / active EE | $2,410 | $2,939-18.0% | $3,964-39.2% | $3,740-35.6% |
| Admin fee / account holder | $81 | $3,977-98.0% | $5,615-98.6% | $5,306-98.5% |