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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.
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).
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 | $15,374 | $46,423-66.9% | $75,900-79.7% | $67,582-77.3% |
| Participation rate | 13.4% | 63.1%-49.7pp | 69.3%-55.9pp | 71.3%-57.9pp |
| Annual return | 21.53% | 32.29%-10.8pp | 30.73%-9.2pp | 378.57%-357.0pp |
| Employer contribution / active EE | $281 | $1,406-80.0% | $2,501-88.8% | $2,148-86.9% |
| Participant deferral / active EE | $555 | $2,564-78.4% | $3,604-84.6% | $3,539-84.3% |
| Admin fee / account holder | $134 | $132+1.9% | $5,421-97.5% | $142-5.6% |