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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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $14,927 | $62,715-76.2% | $104,299-85.7% | $66,949-77.7% |
| Participation rate | 56.5% | 59.6%-3.1pp | 73.3%-16.8pp | 69.8%-13.3pp |
| Annual return | -16.62% | -14.70%-1.9pp | 24.62%-41.2pp | 1.57%-18.2pp |
| Employer contribution / active EE | $303 | $1,976-84.7% | $3,373-91.0% | $2,545-88.1% |
| Participant deferral / active EE | $2,101 | $2,852-26.3% | $4,626-54.6% | $4,239-50.4% |
| Admin fee / account holder | $15 | $657-97.7% | $7,339-99.8% | $594-97.4% |