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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,353 | $75,183-70.3% | $123,894-82.0% | $55,167-59.5% |
| Participation rate | 62.1% | 72.8%-10.7pp | 81.4%-19.3pp | 69.0%-6.9pp |
| Annual return | 2.94% | 19.01%-16.1pp | 47.52%-44.6pp | 169.23%-166.3pp |
| Employer contribution / active EE | $1,006 | $2,823-64.4% | $4,617-78.2% | $1,963-48.7% |
| Participant deferral / active EE | $4,885 | $5,084-3.9% | $5,984-18.4% | $3,054+59.9% |
| Admin fee / account holder | $12 | $663-98.3% | $8,357-99.9% | $504-97.7% |