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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,148 | $80,753-93.6% | $136,298-96.2% | $62,293-91.7% |
| Participation rate | 58.3% | 73.5%-15.3pp | 81.9%-23.6pp | 69.5%-11.2pp |
| Annual return | 19.23% | 35.83%-16.6pp | 5156.27%-5137.0pp | 28.90%-9.7pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,179 | $5,164-57.8% | $6,247-65.1% | $3,169-31.2% |
| Admin fee / account holder | $28 | $525-94.7% | $9,244-99.7% | $479-94.2% |