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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $9,687 | $56,640-82.9% | $78,002-87.6% | $55,167-82.4% |
| Participation rate | 58.0% | 73.3%-15.3pp | 75.5%-17.5pp | 69.0%-10.9pp |
| Annual return | 16.08% | 2868.48%-2852.4pp | 425.99%-409.9pp | 169.23%-153.2pp |
| Employer contribution / active EE | $1,031 | $1,724-40.2% | $2,470-58.3% | $1,963-47.5% |
| Participant deferral / active EE | $1,457 | $2,778-47.5% | $3,497-58.3% | $3,054-52.3% |
| Admin fee / account holder | $17 | $467-96.4% | $5,481-99.7% | $504-96.7% |