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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 | $101,672-57.6% | $147,117-70.7% | $74,478-42.1% |
| Participation rate | 30.8% | 75.5%-44.8pp | 82.2%-51.4pp | 67.2%-36.5pp |
| Annual return | -15.94% | 8757.83%-8773.8pp | 420.54%-436.5pp | 1370.56%-1386.5pp |
| Employer contribution / active EE | $2,179 | $3,813-42.9% | $4,932-55.8% | $2,626-17.0% |
| Participant deferral / active EE | $3,500 | $7,305-52.1% | $8,065-56.6% | $4,350-19.6% |
| Admin fee / account holder | $41 | $1,753-97.7% | $12,993-99.7% | $1,946-97.9% |