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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,309 | $65,367-64.3% | $92,915-74.9% | $72,976-68.1% |
| Participation rate | 28.9% | 68.3%-39.4pp | 76.0%-47.1pp | 69.5%-40.5pp |
| Annual return | 19.80% | 42.11%-22.3pp | 109.45%-89.7pp | 81.02%-61.2pp |
| Employer contribution / active EE | $759 | $2,594-70.8% | $3,653-79.2% | $2,440-68.9% |
| Participant deferral / active EE | $1,614 | $3,128-48.4% | $4,238-61.9% | $3,608-55.3% |
| Admin fee / account holder | $81 | $4,251-98.1% | $5,796-98.6% | $5,124-98.4% |