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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 | $29,470 | $38,595-23.6% | $80,004-63.2% | $52,331-43.7% |
| Participation rate | 43.7% | 64.5%-20.8pp | 73.0%-29.3pp | 68.1%-24.4pp |
| Annual return | -2.81% | 2.04%-4.9pp | 7.63%-10.4pp | 4.54%-7.4pp |
| Employer contribution / active EE | $707 | $1,133-37.6% | $2,473-71.4% | $1,882-62.4% |
| Participant deferral / active EE | $1,766 | $2,318-23.8% | $3,204-44.9% | $3,022-41.6% |
| Admin fee / account holder | $202 | $304-33.7% | $5,033-96.0% | $592-65.9% |