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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 | $21,161 | $75,183-71.9% | $123,894-82.9% | $55,167-61.6% |
| Participation rate | 35.9% | 72.8%-36.9pp | 81.4%-45.5pp | 69.0%-33.1pp |
| Annual return | 8.49% | 19.01%-10.5pp | 47.52%-39.0pp | 169.23%-160.7pp |
| Employer contribution / active EE | $593 | $2,823-79.0% | $4,617-87.2% | $1,963-69.8% |
| Participant deferral / active EE | $1,251 | $5,084-75.4% | $5,984-79.1% | $3,054-59.1% |
| Admin fee / account holder | $1 | $663-99.8% | $8,357-100.0% | $504-99.7% |