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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 | $9,323 | $33,745-72.4% | $64,105-85.5% | $55,191-83.1% |
| Participation rate | 58.3% | 59.4%-1.1pp | 68.2%-9.9pp | 69.2%-10.9pp |
| Annual return | -0.09% | 4.95%-5.0pp | 791.24%-791.3pp | 10.78%-10.9pp |
| Employer contribution / active EE | $369 | $641-42.3% | $1,820-79.7% | $1,899-80.5% |
| Participant deferral / active EE | $621 | $1,929-67.8% | $2,822-78.0% | $3,046-79.6% |
| Admin fee / account holder | $2 | $94-98.4% | $4,499-100.0% | $91-98.3% |