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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
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 | $44,093 | $104,497-57.8% | $159,487-72.4% | $79,389-44.5% |
| Participation rate | 24.4% | 76.6%-52.2pp | 82.8%-58.4pp | 70.7%-46.3pp |
| Annual return | 16.77% | 67.98%-51.2pp | 263.71%-246.9pp | 116.89%-100.1pp |
| Employer contribution / active EE | $0 | $3,418-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $3,241 | $6,468-49.9% | $7,354-55.9% | $4,046-19.9% |
| Admin fee / account holder | $83 | $711-88.4% | $10,804-99.2% | $626-86.8% |