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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).
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 | $8,957 | $102,661-91.3% | $151,628-94.1% | $66,930-86.6% |
| Participation rate | 34.8% | 85.5%-50.7pp | 87.5%-52.7pp | 69.8%-35.0pp |
| Annual return | -14.66% | -10.81%-3.8pp | 3.34%-18.0pp | 1.57%-16.2pp |
| Employer contribution / active EE | $2,776 | $4,184-33.6% | $6,165-55.0% | $2,545+9.1% |
| Participant deferral / active EE | $0 | $6,645-100.0% | $8,363-100.0% | $4,238-100.0% |
| Admin fee / account holder | $76 | $630-88.0% | $11,613-99.3% | $593-87.3% |