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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.
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 | $13,494 | $23,224-41.9% | $71,089-81.0% | $55,725-75.8% |
| Participation rate | 35.4% | 37.9%-2.5pp | 54.6%-19.2pp | 70.9%-35.5pp |
| Annual return | -9.34% | -2.87%-6.5pp | 650.65%-660.0pp | 244.93%-254.3pp |
| Employer contribution / active EE | $0 | $436-100.0% | $1,088-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $2,177 | $929+134.4% | $1,873+16.3% | $3,356-35.1% |
| Admin fee / account holder | $6 | $118-95.2% | $3,082-99.8% | $115-95.1% |