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Employer contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,867 | $138,078-81.3% | $125,363-79.4% | $134,509-80.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -18.50% | 750.49%-769.0pp | 572.15%-590.6pp | 418.13%-436.6pp |
| Employer contribution / active EE | $57 | $5,245-98.9% | $4,815-98.8% | $4,741-98.8% |
| Participant deferral / active EE | $813,110 | $7,800+10324.9% | $7,447+10818.5% | $6,400+12604.2% |
| Admin fee / account holder | $17 | $11,566-99.9% | $10,005-99.8% | $11,427-99.9% |