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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).
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,019 | $79,519-50.9% | $95,956-59.3% | $73,412-46.8% |
| Participation rate | 20.9% | 81.2%-60.3pp | 77.1%-56.2pp | 72.2%-51.3pp |
| Annual return | 19.01% | 19.20%-0.2pp | 91.63%-72.6pp | 59.30%-40.3pp |
| Employer contribution / active EE | $867 | $2,048-57.7% | $2,541-65.9% | $2,234-61.2% |
| Participant deferral / active EE | $1,112 | $4,138-73.1% | $4,167-73.3% | $3,806-70.8% |
| Admin fee / account holder | $20 | $184-89.3% | $6,797-99.7% | $158-87.5% |