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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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $14,622 | $55,453-73.6% | $170,436-91.4% | $62,293-76.5% |
| Participation rate | 19.2% | 66.4%-47.2pp | 83.6%-64.4pp | 69.5%-50.3pp |
| Annual return | 12.47% | 21.38%-8.9pp | 205.94%-193.5pp | 28.90%-16.4pp |
| Employer contribution / active EE | $0 | $2,164-100.0% | $5,433-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,582 | $2,303-31.3% | $4,939-68.0% | $3,169-50.1% |
| Admin fee / account holder | $10 | $455-97.9% | $13,880-99.9% | $479-98.0% |