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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $33,631 | $65,364-48.5% | $92,909-63.8% | $72,975-53.9% |
| Participation rate | 43.1% | 68.3%-25.3pp | 76.0%-32.9pp | 69.5%-26.4pp |
| Annual return | 19.77% | 42.11%-22.3pp | 109.44%-89.7pp | 81.01%-61.2pp |
| Employer contribution / active EE | $210 | $2,594-91.9% | $3,653-94.2% | $2,440-91.4% |
| Participant deferral / active EE | $1,920 | $3,128-38.6% | $4,238-54.7% | $3,608-46.8% |
| Admin fee / account holder | $206 | $4,251-95.1% | $5,795-96.4% | $5,124-96.0% |