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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,183 | $65,083-61.3% | $143,788-82.5% | $66,930-62.4% |
| Participation rate | 68.3% | 65.2%+3.1pp | 80.3%-12.0pp | 69.8%-1.5pp |
| Annual return | -12.96% | -11.13%-1.8pp | -0.03%-12.9pp | 1.57%-14.5pp |
| Employer contribution / active EE | $776 | $2,361-67.1% | $4,952-84.3% | $2,545-69.5% |
| Participant deferral / active EE | $1,715 | $2,920-41.3% | $5,638-69.6% | $4,238-59.5% |
| Admin fee / account holder | $248 | $502-50.7% | $14,675-98.3% | $593-58.3% |