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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,729 | $59,220+26.2% | $96,570-22.6% | $79,391-5.9% |
| Participation rate | 38.8% | 61.9%-23.1pp | 69.8%-31.0pp | 70.7%-31.9pp |
| Annual return | 16.65% | 27.08%-10.4pp | 37.79%-21.1pp | 116.88%-100.2pp |
| Employer contribution / active EE | $1,191 | $1,216-2.1% | $2,357-49.5% | $2,428-51.0% |
| Participant deferral / active EE | $1,991 | $2,948-32.5% | $3,849-48.3% | $4,046-50.8% |
| Admin fee / account holder | $15 | $659-97.7% | $6,182-99.8% | $627-97.5% |