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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,994 | $55,002-12.7% | $59,899-19.9% | $56,289-14.7% |
| Participation rate | 24.4% | 75.9%-51.5pp | 74.7%-50.3pp | 69.9%-45.5pp |
| Annual return | 9.76% | 1.13%+8.6pp | 3.46%+6.3pp | -9.96%+19.7pp |
| Employer contribution / active EE | $0 | $2,448-100.0% | $2,723-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,458 | $3,121-53.3% | $3,402-57.1% | $3,350-56.5% |
| Admin fee / account holder | $16 | $236-93.2% | $3,592-99.6% | $521-96.9% |