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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $4,429 | $69,383-93.6% | $101,271-95.6% | $73,493-94.0% |
| Participation rate | 56.0% | 68.4%-12.4pp | 75.8%-19.8pp | 70.7%-14.7pp |
| Annual return | 17.14% | 18.46%-1.3pp | 46.48%-29.3pp | 28.51%-11.4pp |
| Employer contribution / active EE | $1,181 | $2,628-55.1% | $3,660-67.7% | $2,270-48.0% |
| Participant deferral / active EE | $90 | $3,301-97.3% | $4,371-97.9% | $3,740-97.6% |
| Admin fee / account holder | $0 | $704-100.0% | $5,948-100.0% | $513-100.0% |