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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,074 | $53,925-88.7% | $75,501-92.0% | $69,631-91.3% |
| Participation rate | 64.7% | 71.2%-6.5pp | 72.4%-7.6pp | 70.7%-6.0pp |
| Annual return | 25.11% | 17.84%+7.3pp | 27.35%-2.2pp | 27571.02%-27545.9pp |
| Employer contribution / active EE | $861 | $1,802-52.2% | $2,352-63.4% | $2,032-57.6% |
| Participant deferral / active EE | $1,084 | $2,569-57.8% | $3,142-65.5% | $3,224-66.4% |
| Admin fee / account holder | $1 | $97-99.3% | $5,801-100.0% | $110-99.3% |