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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 | $10,605 | $75,284-85.9% | $91,004-88.3% | $69,631-84.8% |
| Participation rate | 59.1% | 80.4%-21.3pp | 75.6%-16.5pp | 70.7%-11.6pp |
| Annual return | 83.92% | 48.40%+35.5pp | 4.60%+79.3pp | 27571.02%-27487.1pp |
| Employer contribution / active EE | $1,016 | $2,473-58.9% | $2,456-58.6% | $2,032-50.0% |
| Participant deferral / active EE | $1,190 | $3,700-67.8% | $3,548-66.5% | $3,224-63.1% |
| Admin fee / account holder | $3 | $111-97.5% | $5,417-99.9% | $110-97.5% |