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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $41,086 | $88,122-53.4% | $141,191-70.9% | $67,579-39.2% |
| Participation rate | 17.5% | 76.5%-59.0pp | 82.5%-65.0pp | 71.3%-53.8pp |
| Annual return | 18.17% | 75.40%-57.2pp | 71.41%-53.2pp | 378.56%-360.4pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,736-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $626 | $5,958-89.5% | $6,710-90.7% | $3,539-82.3% |
| Admin fee / account holder | $36 | $131-72.3% | $10,264-99.6% | $142-74.5% |