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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.
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 | $3,205 | $54,237-94.1% | $90,300-96.5% | $67,579-95.3% |
| Participation rate | 17.9% | 68.6%-50.8pp | 73.3%-55.4pp | 71.3%-53.4pp |
| Annual return | 30.84% | 37.27%-6.4pp | 78.11%-47.3pp | 378.56%-347.7pp |
| Employer contribution / active EE | $0 | $1,846-100.0% | $2,854-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $402 | $2,625-84.7% | $3,884-89.7% | $3,539-88.6% |
| Admin fee / account holder | $25 | $123-79.5% | $5,353-99.5% | $142-82.2% |