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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.
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 | $42,551 | $69,383-38.7% | $101,264-58.0% | $73,493-42.1% |
| Participation rate | 8.0% | 68.4%-60.4pp | 75.8%-67.8pp | 70.7%-62.7pp |
| Annual return | 14.90% | 18.46%-3.6pp | 46.48%-31.6pp | 28.51%-13.6pp |
| Employer contribution / active EE | $0 | $2,628-100.0% | $3,660-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $148 | $3,301-95.5% | $4,370-96.6% | $3,740-96.0% |
| Admin fee / account holder | $10 | $704-98.5% | $5,947-99.8% | $513-98.0% |