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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $4,904 | $55,122-91.1% | $104,639-95.3% | $73,497-93.3% |
| Participation rate | 65.1% | 67.7%-2.6pp | 74.1%-9.0pp | 70.7%-5.6pp |
| Annual return | 20.02% | 24.77%-4.8pp | 340.67%-320.7pp | 28.51%-8.5pp |
| Employer contribution / active EE | $655 | $1,464-55.3% | $2,682-75.6% | $2,270-71.1% |
| Participant deferral / active EE | $1,559 | $2,919-46.6% | $3,738-58.3% | $3,740-58.3% |
| Admin fee / account holder | $52 | $423-87.7% | $6,465-99.2% | $513-89.9% |