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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,223 | $66,124-95.1% | $90,430-96.4% | $73,493-95.6% |
| Participation rate | 18.3% | 69.7%-51.4pp | 72.7%-54.4pp | 70.7%-52.4pp |
| Annual return | 15.82% | 17.65%-1.8pp | 1293.73%-1277.9pp | 28.51%-12.7pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,262-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $298 | $3,039-90.2% | $3,963-92.5% | $3,740-92.0% |
| Admin fee / account holder | $30 | $396-92.5% | $5,613-99.5% | $513-94.2% |