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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,220 | $82,163-94.9% | $125,363-96.6% | $64,814-93.5% |
| Participation rate | 17.9% | 77.9%-60.0pp | 82.4%-64.5pp | 71.5%-53.6pp |
| Annual return | 47.49% | 3.49%+44.0pp | 572.15%-524.7pp | 32.84%+14.7pp |
| Employer contribution / active EE | $0 | $3,616-100.0% | $4,815-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $758 | $7,175-89.4% | $7,447-89.8% | $4,310-82.4% |
| Admin fee / account holder | $12 | $163-92.9% | $10,005-99.9% | $188-93.9% |