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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,291 | $45,872-95.0% | $77,096-97.0% | $68,486-96.7% |
| Participation rate | 60.7% | 55.9%+4.8pp | 67.9%-7.2pp | 67.9%-7.2pp |
| Annual return | -18.74% | 1.73%-20.5pp | 42.35%-61.1pp | -7.85%-10.9pp |
| Employer contribution / active EE | $531 | $1,650-67.8% | $2,814-81.1% | $2,597-79.6% |
| Participant deferral / active EE | $996 | $2,963-66.4% | $4,429-77.5% | $4,028-75.3% |
| Admin fee / account holder | $10 | $3,041-99.7% | $5,428-99.8% | $5,404-99.8% |