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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,646 | $38,969-8.5% | $109,313-67.4% | $55,167-35.4% |
| Participation rate | 52.4% | 58.2%-5.9pp | 71.3%-18.9pp | 69.0%-16.6pp |
| Annual return | 15.27% | 8.26%+7.0pp | 22.07%-6.8pp | 169.23%-154.0pp |
| Employer contribution / active EE | $2,016 | $1,227+64.4% | $3,892-48.2% | $1,963+2.7% |
| Participant deferral / active EE | $3,804 | $2,176+74.8% | $3,166+20.1% | $3,054+24.5% |
| Admin fee / account holder | $3 | $501-99.3% | $5,666-99.9% | $504-99.3% |