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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $75,248 | $52,961+42.1% | $172,752-56.4% | $65,185+15.4% |
| Participation rate | 56.9% | 66.2%-9.3pp | 82.6%-25.7pp | 70.2%-13.3pp |
| Annual return | 23.45% | 30.12%-6.7pp | 802.97%-779.5pp | 29.38%-5.9pp |
| Employer contribution / active EE | $2,162 | $2,190-1.3% | $5,144-58.0% | $2,177-0.7% |
| Participant deferral / active EE | $5,057 | $2,471+104.6% | $5,198-2.7% | $3,514+43.9% |
| Admin fee / account holder | $89 | $472-81.2% | $13,955-99.4% | $847-89.5% |