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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,861 | $55,889-96.7% | $76,119-97.6% | $80,935-97.7% |
| Participation rate | 61.9% | 62.1%-0.2pp | 69.1%-7.2pp | 67.7%-5.8pp |
| Annual return | 16.61% | 20.58%-4.0pp | 361.25%-344.6pp | 35.66%-19.0pp |
| Employer contribution / active EE | $588 | $1,866-68.5% | $2,693-78.1% | $2,757-78.7% |
| Participant deferral / active EE | $1,353 | $3,051-55.7% | $4,259-68.2% | $4,299-68.5% |
| Admin fee / account holder | $7 | $5,241-99.9% | $6,421-99.9% | $6,924-99.9% |