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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,112 | $61,172-62.2% | $185,851-87.6% | $79,389-70.9% |
| Participation rate | 63.0% | 66.6%-3.6pp | 81.7%-18.7pp | 70.7%-7.7pp |
| Annual return | 16.97% | 19.45%-2.5pp | 122.11%-105.1pp | 116.89%-99.9pp |
| Employer contribution / active EE | $1,256 | $2,321-45.9% | $5,168-75.7% | $2,428-48.3% |
| Participant deferral / active EE | $1,843 | $2,788-33.9% | $5,569-66.9% | $4,046-54.5% |
| Admin fee / account holder | $79 | $710-88.9% | $16,245-99.5% | $626-87.4% |