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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.
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 | $7,070 | $74,347-90.5% | $93,621-92.4% | $67,582-89.5% |
| Participation rate | 60.0% | 80.6%-20.6pp | 75.8%-15.8pp | 71.3%-11.3pp |
| Annual return | 23.53% | 28.07%-4.5pp | 32.76%-9.2pp | 378.57%-355.0pp |
| Employer contribution / active EE | $1,577 | $2,583-38.9% | $2,719-42.0% | $2,148-26.6% |
| Participant deferral / active EE | $1,691 | $4,060-58.4% | $4,070-58.5% | $3,539-52.2% |
| Admin fee / account holder | $2 | $123-98.0% | $7,890-100.0% | $142-98.3% |