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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
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 | $45,939 | $79,519-42.2% | $95,964-52.1% | $73,412-37.4% |
| Participation rate | 38.1% | 81.2%-43.1pp | 77.1%-39.0pp | 72.2%-34.1pp |
| Annual return | 13.18% | 19.20%-6.0pp | 91.64%-78.5pp | 59.30%-46.1pp |
| Employer contribution / active EE | $943 | $2,048-54.0% | $2,541-62.9% | $2,234-57.8% |
| Participant deferral / active EE | $1,282 | $4,138-69.0% | $4,167-69.2% | $3,806-66.3% |
| Admin fee / account holder | $0 | $184-100.0% | $6,797-100.0% | $158-100.0% |