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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $27,021 | $65,263-58.6% | $90,223-70.1% | $55,191-51.0% |
| Participation rate | 36.1% | 79.0%-42.9pp | 79.0%-42.9pp | 69.2%-33.0pp |
| Annual return | -0.44% | 2.81%-3.3pp | 1.31%-1.8pp | 10.78%-11.2pp |
| Employer contribution / active EE | $1,117 | $4,153-73.1% | $4,378-74.5% | $1,899-41.2% |
| Participant deferral / active EE | $1,407 | $5,564-74.7% | $5,792-75.7% | $3,046-53.8% |
| Admin fee / account holder | $46 | $116-60.3% | $7,406-99.4% | $91-49.2% |