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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 | $34,918 | $75,183-53.6% | $123,894-71.8% | $55,167-36.7% |
| Participation rate | 58.8% | 72.8%-14.0pp | 81.4%-22.6pp | 69.0%-10.2pp |
| Annual return | 19.55% | 19.01%+0.5pp | 47.52%-28.0pp | 169.23%-149.7pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $8,702 | $5,084+71.1% | $5,984+45.4% | $3,054+184.9% |
| Admin fee / account holder | $60 | $663-91.0% | $8,357-99.3% | $504-88.2% |