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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 | $13,807 | $62,928-78.1% | $172,755-92.0% | $67,579-79.6% |
| Participation rate | 52.3% | 64.5%-12.1pp | 82.6%-30.3pp | 71.3%-19.0pp |
| Annual return | 17.32% | 30.36%-13.0pp | 802.94%-785.6pp | 378.56%-361.2pp |
| Employer contribution / active EE | $359 | $1,636-78.0% | $5,144-93.0% | $2,148-83.3% |
| Participant deferral / active EE | $747 | $2,145-65.2% | $5,198-85.6% | $3,539-78.9% |
| Admin fee / account holder | $179 | $167+7.7% | $13,955-98.7% | $142+26.1% |