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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 | $16,992 | $35,986-52.8% | $77,513-78.1% | $73,493-76.9% |
| Participation rate | 13.9% | 40.8%-26.9pp | 54.2%-40.3pp | 70.7%-56.8pp |
| Annual return | 12.39% | 19.26%-6.9pp | 54.81%-42.4pp | 28.51%-16.1pp |
| Employer contribution / active EE | $345 | $557-38.2% | $987-65.1% | $2,270-84.8% |
| Participant deferral / active EE | $392 | $1,198-67.2% | $1,861-78.9% | $3,740-89.5% |
| Admin fee / account holder | $33 | $466-92.8% | $2,859-98.8% | $513-93.5% |