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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 | $31,336 | $44,714-29.9% | $91,225-65.6% | $66,938-53.2% |
| Participation rate | 42.8% | 65.0%-22.2pp | 73.2%-30.4pp | 69.8%-27.0pp |
| Annual return | -3.05% | -12.25%+9.2pp | 114.12%-117.2pp | 1.58%-4.6pp |
| Employer contribution / active EE | $1,262 | $1,710-26.2% | $2,851-55.7% | $2,545-50.4% |
| Participant deferral / active EE | $2,190 | $3,355-34.7% | $4,233-48.3% | $4,238-48.3% |
| Admin fee / account holder | $3 | $521-99.5% | $5,422-100.0% | $594-99.6% |