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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.
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).
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 | $12,887 | $50,175-74.3% | $99,479-87.0% | $65,186-80.2% |
| Participation rate | 21.9% | 68.4%-46.5pp | 73.8%-52.0pp | 70.2%-48.3pp |
| Annual return | 74.86% | 25.36%+49.5pp | 30.72%+44.1pp | 29.39%+45.5pp |
| Employer contribution / active EE | $0 | $1,496-100.0% | $2,540-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $980 | $2,748-64.3% | $3,619-72.9% | $3,514-72.1% |
| Admin fee / account holder | $42 | $398-89.3% | $6,253-99.3% | $847-95.0% |