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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $4,318 | $28,109-84.6% | $71,086-93.9% | $56,287-92.3% |
| Participation rate | 38.2% | 40.4%-2.2pp | 54.7%-16.4pp | 69.9%-31.6pp |
| Annual return | -10.04% | -615.05%+605.0pp | 650.59%-660.6pp | -9.96%-0.1pp |
| Employer contribution / active EE | $547 | $558-1.9% | $1,088-49.7% | $2,111-74.1% |
| Participant deferral / active EE | $668 | $1,116-40.1% | $1,874-64.3% | $3,350-80.0% |
| Admin fee / account holder | $19 | $585-96.8% | $3,082-99.4% | $521-96.4% |