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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $17,981 | $91,439-80.3% | $135,974-86.8% | $71,511-74.9% |
| Participation rate | 45.3% | 75.7%-30.4pp | 81.9%-36.7pp | 67.9%-22.7pp |
| Annual return | 20.84% | 29.90%-9.1pp | 68.30%-47.5pp | 28.86%-8.0pp |
| Employer contribution / active EE | $970 | $3,705-73.8% | $4,859-80.0% | $2,589-62.6% |
| Participant deferral / active EE | $2,585 | $7,093-63.6% | $7,760-66.7% | $4,291-39.8% |
| Admin fee / account holder | $32 | $1,267-97.5% | $10,767-99.7% | $1,588-98.0% |