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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,151 | $101,591-57.5% | $147,096-70.7% | $74,429-42.0% |
| Participation rate | 30.8% | 75.5%-44.8pp | 82.2%-51.4pp | 67.2%-36.4pp |
| Annual return | -15.94% | 8746.45%-8762.4pp | 419.75%-435.7pp | 1368.38%-1384.3pp |
| Employer contribution / active EE | $2,179 | $3,813-42.8% | $4,936-55.9% | $2,625-17.0% |
| Participant deferral / active EE | $3,500 | $7,302-52.1% | $8,071-56.6% | $4,348-19.5% |
| Admin fee / account holder | $41 | $1,750-97.7% | $13,005-99.7% | $1,944-97.9% |