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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.
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 | $19,620 | $75,388-74.0% | $123,549-84.1% | $55,725-64.8% |
| Participation rate | 47.5% | 75.7%-28.2pp | 82.3%-34.8pp | 70.9%-23.4pp |
| Annual return | -2.22% | 4.48%-6.7pp | 119.20%-121.4pp | 244.93%-247.1pp |
| Employer contribution / active EE | $221 | $3,063-92.8% | $4,628-95.2% | $2,078-89.4% |
| Participant deferral / active EE | $4,223 | $5,651-25.3% | $6,426-34.3% | $3,356+25.8% |
| Admin fee / account holder | $2 | $120-98.6% | $9,284-100.0% | $115-98.5% |