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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 | $33,898 | $66,459-49.0% | $81,353-58.3% | $77,736-56.4% |
| Participation rate | 57.0% | 68.7%-11.7pp | 69.5%-12.5pp | 70.6%-13.5pp |
| Annual return | 12.72% | 15.95%-3.2pp | 24.82%-12.1pp | 31.26%-18.5pp |
| Employer contribution / active EE | $1,789 | $2,156-17.1% | $2,464-27.4% | $2,728-34.4% |
| Participant deferral / active EE | $2,849 | $3,674-22.5% | $3,885-26.7% | $4,651-38.7% |
| Admin fee / account holder | $18 | $585-96.9% | $5,766-99.7% | $433-95.9% |