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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).
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 | $17,634 | $56,443-68.8% | $83,831-79.0% | $55,725-68.4% |
| Participation rate | 40.3% | 72.0%-31.7pp | 76.1%-35.8pp | 70.9%-30.5pp |
| Annual return | 0.66% | 393.67%-393.0pp | 850.99%-850.3pp | 244.93%-244.3pp |
| Employer contribution / active EE | $946 | $2,682-64.7% | $3,631-74.0% | $2,078-54.5% |
| Participant deferral / active EE | $1,704 | $2,965-42.5% | $4,082-58.3% | $3,356-49.2% |
| Admin fee / account holder | $139 | $156-11.0% | $5,479-97.5% | $115+20.8% |