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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,539 | $84,493-67.4% | $125,381-78.0% | $66,938-58.9% |
| Participation rate | 67.1% | 76.4%-9.3pp | 82.4%-15.3pp | 69.8%-2.8pp |
| Annual return | -15.80% | -8.49%-7.3pp | 572.31%-588.1pp | 1.58%-17.4pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,471 | $6,783-34.1% | $7,448-40.0% | $4,238+5.5% |
| Admin fee / account holder | $6 | $685-99.2% | $10,007-99.9% | $594-99.0% |