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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $9,075 | $65,092-86.1% | $143,799-93.7% | $66,938-86.4% |
| Participation rate | 24.3% | 65.2%-40.9pp | 80.3%-56.0pp | 69.8%-45.5pp |
| Annual return | -6.49% | -11.14%+4.6pp | -0.04%-6.4pp | 1.58%-8.1pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,246 | $2,920-57.3% | $5,638-77.9% | $4,238-70.6% |
| Admin fee / account holder | $29 | $502-94.2% | $14,677-99.8% | $594-95.1% |