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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,853 | $46,325-67.9% | $143,788-89.7% | $64,814-77.1% |
| Participation rate | 3.7% | 64.2%-60.5pp | 80.3%-76.6pp | 71.5%-67.7pp |
| Annual return | -15.87% | -10.05%-5.8pp | -0.03%-15.8pp | 32.84%-48.7pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,952-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $371 | $2,647-86.0% | $5,638-93.4% | $4,310-91.4% |
| Admin fee / account holder | $77 | $154-50.1% | $14,675-99.5% | $188-59.1% |