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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $17,829 | $43,550-59.1% | $63,244-71.8% | $52,331-65.9% |
| Participation rate | 32.5% | 65.7%-33.2pp | 71.0%-38.6pp | 68.1%-35.6pp |
| Annual return | 0.93% | 2.03%-1.1pp | -70.31%+71.2pp | 4.54%-3.6pp |
| Employer contribution / active EE | $646 | $1,351-52.2% | $2,322-72.2% | $1,882-65.7% |
| Participant deferral / active EE | $1,042 | $2,254-53.8% | $2,953-64.7% | $3,022-65.5% |
| Admin fee / account holder | $22 | $387-94.2% | $5,893-99.6% | $592-96.2% |