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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $4,271 | $52,293-91.8% | $178,498-97.6% | $73,412-94.2% |
| Participation rate | 38.0% | 65.3%-27.3pp | 81.9%-43.9pp | 72.2%-34.2pp |
| Annual return | 0.00% | 34.75%-34.7pp | 151.09%-151.1pp | 59.30%-59.3pp |
| Employer contribution / active EE | $538 | $1,735-69.0% | $5,011-89.3% | $2,234-75.9% |
| Participant deferral / active EE | $837 | $2,332-64.1% | $5,202-83.9% | $3,806-78.0% |
| Admin fee / account holder | $3 | $127-97.6% | $13,985-100.0% | $158-98.1% |