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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $3,661 | $44,425-91.8% | $67,834-94.6% | $55,167-93.4% |
| Participation rate | 59.8% | 59.7%+0.1pp | 68.8%-8.9pp | 69.0%-9.1pp |
| Annual return | 7.48% | 17.80%-10.3pp | 138.47%-131.0pp | 169.23%-161.8pp |
| Employer contribution / active EE | $334 | $1,351-75.3% | $2,403-86.1% | $1,963-83.0% |
| Participant deferral / active EE | $1,301 | $2,166-39.9% | $3,160-58.8% | $3,054-57.4% |
| Admin fee / account holder | $20 | $530-96.1% | $4,622-99.6% | $504-95.9% |