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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,896 | $52,293-65.8% | $178,498-90.0% | $73,412-75.6% |
| Participation rate | 29.6% | 65.3%-35.8pp | 81.9%-52.3pp | 72.2%-42.6pp |
| Annual return | 15.42% | 34.75%-19.3pp | 151.09%-135.7pp | 59.30%-43.9pp |
| Employer contribution / active EE | $374 | $1,735-78.4% | $5,011-92.5% | $2,234-83.2% |
| Participant deferral / active EE | $1,034 | $2,332-55.7% | $5,202-80.1% | $3,806-72.8% |
| Admin fee / account holder | $145 | $127+13.8% | $13,985-99.0% | $158-8.2% |