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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $29,890 | $99,957-70.1% | $149,730-80.0% | $73,493-59.3% |
| Participation rate | 51.9% | 75.7%-23.8pp | 82.5%-30.5pp | 70.7%-18.7pp |
| Annual return | 10.08% | 53.87%-43.8pp | 276.70%-266.6pp | 28.51%-18.4pp |
| Employer contribution / active EE | $792 | $3,191-75.2% | $4,645-83.0% | $2,270-65.1% |
| Participant deferral / active EE | $1,952 | $6,073-67.9% | $6,843-71.5% | $3,740-47.8% |
| Admin fee / account holder | $5 | $551-99.1% | $9,310-99.9% | $513-99.0% |