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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.
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 | $19,754 | $31,388-37.1% | $73,550-73.1% | $62,293-68.3% |
| Participation rate | 26.1% | 39.9%-13.7pp | 54.9%-28.8pp | 69.5%-43.4pp |
| Annual return | 21.19% | 25.34%-4.2pp | -15.16%+36.3pp | 28.90%-7.7pp |
| Employer contribution / active EE | $245 | $498-50.7% | $1,219-79.9% | $2,042-88.0% |
| Participant deferral / active EE | $350 | $1,028-65.9% | $1,804-80.6% | $3,169-88.9% |
| Admin fee / account holder | $0 | $299-100.0% | $2,320-100.0% | $479-100.0% |