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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).
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 | $44,342 | $55,449-20.0% | $83,830-47.1% | $56,287-21.2% |
| Participation rate | 19.0% | 68.0%-49.1pp | 76.1%-57.2pp | 69.9%-50.9pp |
| Annual return | 3.92% | -1.38%+5.3pp | 850.97%-847.1pp | -9.96%+13.9pp |
| Employer contribution / active EE | $0 | $2,430-100.0% | $3,631-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $806 | $2,935-72.6% | $4,082-80.3% | $3,350-75.9% |
| Admin fee / account holder | $0 | $656-100.0% | $5,479-100.0% | $521-100.0% |