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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,528 | $37,196-74.4% | $154,108-93.8% | $55,725-82.9% |
| Participation rate | 7.3% | 64.1%-56.8pp | 83.0%-75.8pp | 70.9%-63.6pp |
| Annual return | 45.75% | 1319.68%-1273.9pp | 735.21%-689.5pp | 244.93%-199.2pp |
| Employer contribution / active EE | $0 | $1,614-100.0% | $5,298-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $547 | $2,068-73.6% | $5,081-89.2% | $3,356-83.7% |
| Admin fee / account holder | $0 | $102-100.0% | $13,411-100.0% | $115-100.0% |