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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 | $38,443 | $66,124-41.9% | $90,440-57.5% | $73,493-47.7% |
| Participation rate | 26.6% | 69.7%-43.1pp | 72.7%-46.1pp | 70.7%-44.1pp |
| Annual return | 14.38% | 17.65%-3.3pp | 1294.38%-1280.0pp | 28.51%-14.1pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,263-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,900 | $3,039-37.5% | $3,964-52.1% | $3,740-49.2% |
| Admin fee / account holder | $28 | $396-93.0% | $5,615-99.5% | $513-94.6% |