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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).
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 | $19,131 | $54,757-65.1% | $90,304-78.8% | $72,975-73.8% |
| Participation rate | 19.0% | 65.2%-46.2pp | 73.3%-54.3pp | 69.5%-50.5pp |
| Annual return | 20.89% | 30.63%-9.7pp | 78.13%-57.2pp | 81.01%-60.1pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,855-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,276 | $2,887-55.8% | $3,885-67.2% | $3,608-64.6% |
| Admin fee / account holder | $170 | $3,973-95.7% | $5,354-96.8% | $5,124-96.7% |