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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,143 | $52,967+13.5% | $172,753-65.2% | $65,186-7.7% |
| Participation rate | 31.8% | 66.2%-34.4pp | 82.6%-50.9pp | 70.2%-38.4pp |
| Annual return | 23.38% | 30.12%-6.7pp | 803.00%-779.6pp | 29.39%-6.0pp |
| Employer contribution / active EE | $749 | $2,190-65.8% | $5,144-85.4% | $2,177-65.6% |
| Participant deferral / active EE | $1,689 | $2,471-31.6% | $5,198-67.5% | $3,514-51.9% |
| Admin fee / account holder | $53 | $472-88.7% | $13,956-99.6% | $847-93.7% |