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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,337 | $78,275-68.9% | $109,188-77.7% | $86,821-72.0% |
| Participation rate | 41.9% | 73.8%-31.9pp | 75.9%-33.9pp | 72.3%-30.4pp |
| Annual return | 14.96% | 19.14%-4.2pp | 25.76%-10.8pp | 97.94%-83.0pp |
| Employer contribution / active EE | $936 | $3,105-69.9% | $3,723-74.9% | $2,406-61.1% |
| Participant deferral / active EE | $2,477 | $3,641-32.0% | $4,654-46.8% | $4,132-40.1% |
| Admin fee / account holder | $40 | $198-79.7% | $6,755-99.4% | $170-76.2% |