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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,648 | $43,423-34.0% | $78,676-63.6% | $55,167-48.1% |
| Participation rate | 48.6% | 68.0%-19.4pp | 73.6%-25.0pp | 69.0%-20.4pp |
| Annual return | 13.22% | 11.53%+1.7pp | 62.19%-49.0pp | 169.23%-156.0pp |
| Employer contribution / active EE | $74 | $1,997-96.3% | $2,850-97.4% | $1,963-96.2% |
| Participant deferral / active EE | $2,289 | $2,509-8.8% | $3,517-34.9% | $3,054-25.1% |
| Admin fee / account holder | $10 | $416-97.7% | $4,510-99.8% | $504-98.1% |