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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $27,363 | $51,466-46.8% | $78,778-65.3% | $62,293-56.1% |
| Participation rate | 35.3% | 59.8%-24.4pp | 69.2%-33.8pp | 69.5%-34.2pp |
| Annual return | 14.60% | 19.96%-5.4pp | 35.62%-21.0pp | 28.90%-14.3pp |
| Employer contribution / active EE | $115 | $827-86.1% | $1,986-94.2% | $2,042-94.4% |
| Participant deferral / active EE | $1,094 | $2,147-49.0% | $2,958-63.0% | $3,169-65.5% |
| Admin fee / account holder | $5 | $489-99.0% | $5,134-99.9% | $479-98.9% |