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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,499 | $42,772-31.0% | $87,502-66.3% | $55,167-46.5% |
| Participation rate | 34.5% | 66.5%-32.0pp | 73.8%-39.3pp | 69.0%-34.5pp |
| Annual return | 8.13% | 21.20%-13.1pp | 12.21%-4.1pp | 169.23%-161.1pp |
| Employer contribution / active EE | $0 | $1,277-100.0% | $2,550-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,313 | $2,342-1.2% | $3,149-26.5% | $3,054-24.3% |
| Admin fee / account holder | $15 | $461-96.8% | $4,221-99.7% | $504-97.1% |