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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,960 | $26,114-81.0% | $58,544-91.5% | $74,440-93.3% |
| Participation rate | 23.5% | 32.1%-8.6pp | 50.9%-27.3pp | 70.7%-47.2pp |
| Annual return | 30.35% | 32.51%-2.2pp | 4249.56%-4219.2pp | 34.37%-4.0pp |
| Employer contribution / active EE | $0 | $536-100.0% | $1,053-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $344 | $1,075-68.0% | $1,923-82.1% | $4,529-92.4% |
| Admin fee / account holder | $30 | $649-95.4% | $2,520-98.8% | $348-91.4% |