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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $20,201 | $52,961-61.9% | $172,755-88.3% | $65,185-69.0% |
| Participation rate | 62.8% | 66.2%-3.4pp | 82.6%-19.8pp | 70.2%-7.4pp |
| Annual return | 17.23% | 30.12%-12.9pp | 802.94%-785.7pp | 29.38%-12.2pp |
| Employer contribution / active EE | $436 | $2,190-80.1% | $5,144-91.5% | $2,177-80.0% |
| Participant deferral / active EE | $1,998 | $2,471-19.2% | $5,198-61.6% | $3,514-43.1% |
| Admin fee / account holder | $40 | $472-91.5% | $13,955-99.7% | $847-95.3% |