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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.
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 | $20,039 | $55,657-64.0% | $63,412-68.4% | $55,191-63.7% |
| Participation rate | 20.8% | 63.4%-42.7pp | 67.1%-46.3pp | 69.2%-48.4pp |
| Annual return | -0.65% | -0.22%-0.4pp | 4.04%-4.7pp | 10.78%-11.4pp |
| Employer contribution / active EE | $74 | $1,026-92.8% | $1,814-95.9% | $1,899-96.1% |
| Participant deferral / active EE | $773 | $1,817-57.5% | $2,496-69.0% | $3,046-74.6% |
| Admin fee / account holder | $53 | $272-80.5% | $3,753-98.6% | $91-41.7% |