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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).
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 | $11,496 | $37,440-69.3% | $77,081-85.1% | $66,930-82.8% |
| Participation rate | 35.6% | 52.9%-17.3pp | 67.9%-32.3pp | 69.8%-34.2pp |
| Annual return | -0.74% | -3.26%+2.5pp | 42.33%-43.1pp | 1.57%-2.3pp |
| Employer contribution / active EE | $920 | $1,534-40.0% | $2,813-67.3% | $2,545-63.8% |
| Participant deferral / active EE | $1,900 | $2,620-27.5% | $4,428-57.1% | $4,238-55.2% |
| Admin fee / account holder | $4 | $568-99.3% | $5,427-99.9% | $593-99.4% |