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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,614 | $65,083-89.8% | $143,788-95.4% | $66,930-90.1% |
| Participation rate | 49.0% | 65.2%-16.2pp | 80.3%-31.3pp | 69.8%-20.8pp |
| Annual return | -20.33% | -11.13%-9.2pp | -0.03%-20.3pp | 1.57%-21.9pp |
| Employer contribution / active EE | $1,045 | $2,361-55.7% | $4,952-78.9% | $2,545-58.9% |
| Participant deferral / active EE | $1,738 | $2,920-40.5% | $5,638-69.2% | $4,238-59.0% |
| Admin fee / account holder | $23 | $502-95.4% | $14,675-99.8% | $593-96.1% |