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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 | $20,382 | $55,636-63.4% | $81,988-75.1% | $73,493-72.3% |
| Participation rate | 25.9% | 62.3%-36.4pp | 69.3%-43.4pp | 70.7%-44.8pp |
| Annual return | 11.99% | 19.07%-7.1pp | 41.31%-29.3pp | 28.51%-16.5pp |
| Employer contribution / active EE | $300 | $1,625-81.5% | $2,498-88.0% | $2,270-86.8% |
| Participant deferral / active EE | $901 | $2,762-67.4% | $3,722-75.8% | $3,740-75.9% |
| Admin fee / account holder | $148 | $493-70.0% | $5,665-97.4% | $513-71.2% |