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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 | $29,452 | $61,214-51.9% | $83,322-64.7% | $56,287-47.7% |
| Participation rate | 15.2% | 72.6%-57.4pp | 77.8%-62.6pp | 69.9%-54.7pp |
| Annual return | -6.84% | 0.42%-7.3pp | 10.64%-17.5pp | -9.96%+3.1pp |
| Employer contribution / active EE | $824 | $1,925-57.2% | $3,379-75.6% | $2,111-61.0% |
| Participant deferral / active EE | $1,689 | $5,091-66.8% | $5,565-69.6% | $3,350-49.6% |
| Admin fee / account holder | $16 | $512-96.8% | $7,540-99.8% | $521-96.9% |