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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,128 | $62,592-35.9% | $85,709-53.2% | $85,847-53.3% |
| Participation rate | 19.5% | 61.1%-41.6pp | 69.9%-50.3pp | 69.3%-49.8pp |
| Annual return | 14.22% | 23.77%-9.6pp | 21.49%-7.3pp | 318.61%-304.4pp |
| Employer contribution / active EE | $307 | $1,755-82.5% | $2,619-88.3% | $2,565-88.0% |
| Participant deferral / active EE | $491 | $2,802-82.5% | $3,924-87.5% | $3,952-87.6% |
| Admin fee / account holder | $99 | $4,643-97.9% | $6,876-98.6% | $6,261-98.4% |