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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $15,414 | $58,888-73.8% | $178,499-91.4% | $73,493-79.0% |
| Participation rate | 67.2% | 66.2%+1.0pp | 81.9%-14.7pp | 70.7%-3.4pp |
| Annual return | 42.92% | 24.86%+18.1pp | 151.10%-108.2pp | 28.51%+14.4pp |
| Employer contribution / active EE | $2,516 | $2,236+12.5% | $5,011-49.8% | $2,270+10.8% |
| Participant deferral / active EE | $3,486 | $2,568+35.8% | $5,202-33.0% | $3,740-6.8% |
| Admin fee / account holder | $34 | $400-91.6% | $13,986-99.8% | $513-93.5% |