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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).
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,952 | $44,473-59.6% | $76,518-76.5% | $55,725-67.8% |
| Participation rate | 18.5% | 51.0%-32.4pp | 68.0%-49.5pp | 70.9%-52.3pp |
| Annual return | -3.58% | -2.01%-1.6pp | -0.27%-3.3pp | 244.93%-248.5pp |
| Employer contribution / active EE | $0 | $1,101-100.0% | $2,647-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,602 | $1,988-19.4% | $3,836-58.2% | $3,356-52.3% |
| Admin fee / account holder | $10 | $134-92.5% | $4,849-99.8% | $115-91.3% |