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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $13,352 | $84,493-84.2% | $125,381-89.4% | $66,938-80.1% |
| Participation rate | 51.6% | 76.4%-24.8pp | 82.4%-30.8pp | 69.8%-18.3pp |
| Annual return | -13.31% | -8.49%-4.8pp | 572.31%-585.6pp | 1.58%-14.9pp |
| Employer contribution / active EE | $1,053 | $3,554-70.4% | $4,815-78.1% | $2,545-58.6% |
| Participant deferral / active EE | $3,380 | $6,783-50.2% | $7,448-54.6% | $4,238-20.3% |
| Admin fee / account holder | $13 | $685-98.2% | $10,007-99.9% | $594-97.9% |