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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 | $10,405 | $50,666-79.5% | $76,657-86.4% | $65,185-84.0% |
| Participation rate | 64.1% | 68.8%-4.7pp | 72.1%-8.0pp | 70.2%-6.1pp |
| Annual return | 20.87% | 28.51%-7.6pp | 1166.74%-1145.9pp | 29.38%-8.5pp |
| Employer contribution / active EE | $2,631 | $1,575+67.1% | $2,303+14.3% | $2,177+20.9% |
| Participant deferral / active EE | $1,285 | $2,647-51.5% | $3,335-61.5% | $3,514-63.4% |
| Admin fee / account holder | $14 | $463-97.0% | $6,423-99.8% | $847-98.4% |