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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 | $33,712 | $51,620-34.7% | $90,304-62.7% | $65,185-48.3% |
| Participation rate | 30.6% | 68.6%-38.0pp | 73.3%-42.7pp | 70.2%-39.6pp |
| Annual return | 20.39% | 24.94%-4.5pp | 78.13%-57.7pp | 29.38%-9.0pp |
| Employer contribution / active EE | $0 | $2,235-100.0% | $2,855-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,752 | $2,871-39.0% | $3,885-54.9% | $3,514-50.1% |
| Admin fee / account holder | $11 | $384-97.2% | $5,354-99.8% | $847-98.8% |