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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $39,189 | $65,453-40.1% | $86,698-54.8% | $66,938-41.5% |
| Participation rate | 54.6% | 75.5%-20.9pp | 76.6%-22.0pp | 69.8%-15.2pp |
| Annual return | 34.68% | -10.89%+45.6pp | 35.95%-1.3pp | 1.58%+33.1pp |
| Employer contribution / active EE | $1,470 | $2,154-31.7% | $2,837-48.2% | $2,545-42.2% |
| Participant deferral / active EE | $2,421 | $4,102-41.0% | $4,656-48.0% | $4,238-42.9% |
| Admin fee / account holder | $46 | $642-92.8% | $7,493-99.4% | $594-92.2% |