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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.
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 | $21,075 | $33,745-37.5% | $64,105-67.1% | $55,191-61.8% |
| Participation rate | 41.6% | 59.4%-17.7pp | 68.2%-26.5pp | 69.2%-27.5pp |
| Annual return | -4.49% | 4.95%-9.4pp | 791.24%-795.7pp | 10.78%-15.3pp |
| Employer contribution / active EE | $0 | $641-100.0% | $1,820-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $1,887 | $1,929-2.2% | $2,822-33.1% | $3,046-38.0% |
| Admin fee / account holder | $14 | $94-85.1% | $4,499-99.7% | $91-84.5% |