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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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $25,448 | $75,388-66.2% | $123,553-79.4% | $55,725-54.3% |
| Participation rate | 32.1% | 75.7%-43.5pp | 82.3%-50.2pp | 70.9%-38.7pp |
| Annual return | -5.70% | 4.48%-10.2pp | 119.21%-124.9pp | 244.93%-250.6pp |
| Employer contribution / active EE | $655 | $3,063-78.6% | $4,628-85.9% | $2,078-68.5% |
| Participant deferral / active EE | $1,278 | $5,651-77.4% | $6,426-80.1% | $3,356-61.9% |
| Admin fee / account holder | $25 | $120-79.2% | $9,284-99.7% | $115-78.3% |