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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,655 | $59,267-46.6% | $96,575-67.2% | $79,393-60.1% |
| Participation rate | 39.3% | 61.9%-22.6pp | 69.8%-30.6pp | 70.7%-31.4pp |
| Annual return | 14.30% | 27.08%-12.8pp | 37.79%-23.5pp | 116.87%-102.6pp |
| Employer contribution / active EE | $0 | $1,216-100.0% | $2,357-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,312 | $2,947-21.6% | $3,849-39.9% | $4,046-42.9% |
| Admin fee / account holder | $15 | $659-97.8% | $6,182-99.8% | $627-97.7% |