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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.
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 | $9,391 | $80,753-88.4% | $136,298-93.1% | $62,293-84.9% |
| Participation rate | 14.8% | 73.5%-58.7pp | 81.9%-67.1pp | 69.5%-54.7pp |
| Annual return | 20.80% | 35.83%-15.0pp | 5156.27%-5135.5pp | 28.90%-8.1pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $865 | $5,164-83.2% | $6,247-86.1% | $3,169-72.7% |
| Admin fee / account holder | $0 | $525-100.0% | $9,244-100.0% | $479-100.0% |