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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,441 | $29,525-81.6% | $56,033-90.3% | $77,736-93.0% |
| Participation rate | 13.9% | 32.7%-18.8pp | 52.5%-38.6pp | 70.6%-56.7pp |
| Annual return | 11.26% | 18.90%-7.6pp | 1711.38%-1700.1pp | 31.26%-20.0pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,041-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $300 | $1,062-71.7% | $1,954-84.6% | $4,651-93.5% |
| Admin fee / account holder | $46 | $1,040-95.6% | $2,827-98.4% | $433-89.3% |