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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 | $62,642 | $53,901+16.2% | $134,162-53.3% | $73,493-14.8% |
| Participation rate | 43.0% | 62.8%-19.9pp | 72.2%-29.2pp | 70.7%-27.7pp |
| Annual return | 19.20% | 15.82%+3.4pp | 36.35%-17.2pp | 28.51%-9.3pp |
| Employer contribution / active EE | $1,292 | $1,458-11.4% | $3,705-65.1% | $2,270-43.1% |
| Participant deferral / active EE | $2,638 | $2,739-3.7% | $3,500-24.6% | $3,740-29.5% |
| Admin fee / account holder | $0 | $581-100.0% | $6,685-100.0% | $513-100.0% |