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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $22,679 | $89,652-74.7% | $141,177-83.9% | $65,185-65.2% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.5%-15.8pp | 70.2%-3.5pp |
| Annual return | 21.79% | 32.79%-11.0pp | 71.40%-49.6pp | 29.38%-7.6pp |
| Employer contribution / active EE | $495 | $3,065-83.8% | $4,736-89.5% | $2,177-77.3% |
| Participant deferral / active EE | $7,612 | $5,691+33.8% | $6,710+13.4% | $3,514+116.6% |
| Admin fee / account holder | $117 | $569-79.3% | $10,263-98.9% | $847-86.1% |