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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).
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 | $10,508 | $23,224-54.8% | $71,089-85.2% | $55,725-81.1% |
| Participation rate | 51.3% | 37.9%+13.4pp | 54.6%-3.3pp | 70.9%-19.5pp |
| Annual return | -10.17% | -2.87%-7.3pp | 650.65%-660.8pp | 244.93%-255.1pp |
| Employer contribution / active EE | $869 | $436+99.3% | $1,088-20.1% | $2,078-58.2% |
| Participant deferral / active EE | $3,246 | $929+249.4% | $1,873+73.4% | $3,356-3.3% |
| Admin fee / account holder | $8 | $118-92.8% | $3,082-99.7% | $115-92.7% |