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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $35,506 | $66,601-46.7% | $92,903-61.8% | $67,579-47.5% |
| Participation rate | 26.2% | 72.5%-46.3pp | 76.0%-49.8pp | 71.3%-45.1pp |
| Annual return | 21.48% | 92.58%-71.1pp | 109.43%-88.0pp | 378.56%-357.1pp |
| Employer contribution / active EE | $592 | $2,775-78.7% | $3,653-83.8% | $2,148-72.4% |
| Participant deferral / active EE | $1,378 | $3,157-56.3% | $4,238-67.5% | $3,539-61.1% |
| Admin fee / account holder | $38 | $199-80.9% | $5,795-99.3% | $142-73.3% |