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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.
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 | $12,650 | $99,957-87.3% | $149,745-91.6% | $73,497-82.8% |
| Participation rate | 23.9% | 75.7%-51.8pp | 82.5%-58.6pp | 70.7%-46.8pp |
| Annual return | 46.35% | 53.87%-7.5pp | 276.72%-230.4pp | 28.51%+17.8pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,646-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,216 | $6,073-80.0% | $6,843-82.2% | $3,740-67.5% |
| Admin fee / account holder | $158 | $551-71.3% | $9,312-98.3% | $513-69.2% |