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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $4,193 | $24,891-83.2% | $69,623-94.0% | $74,459-94.4% |
| Participation rate | 60.5% | 63.4%-2.9pp | 66.4%-5.9pp | 67.2%-6.7pp |
| Annual return | 20.48% | 18.53%+1.9pp | 101.23%-80.7pp | 1369.70%-1349.2pp |
| Employer contribution / active EE | $708 | $1,005-29.5% | $1,709-58.6% | $2,626-73.0% |
| Participant deferral / active EE | $1,325 | $1,908-30.5% | $2,890-54.1% | $4,350-69.5% |
| Admin fee / account holder | $18 | $1,904-99.0% | $4,696-99.6% | $1,945-99.1% |