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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,243 | $22,291-72.0% | $69,182-91.0% | $63,975-90.2% |
| Participation rate | 17.8% | 35.3%-17.5pp | 55.1%-37.3pp | 71.1%-53.4pp |
| Annual return | 17.89% | 9.30%+8.6pp | -21.93%+39.8pp | 48.65%-30.8pp |
| Employer contribution / active EE | $180 | $325-44.7% | $1,206-85.1% | $2,182-91.8% |
| Participant deferral / active EE | $452 | $808-44.0% | $1,897-76.2% | $3,356-86.5% |
| Admin fee / account holder | $47 | $73-35.1% | $2,697-98.2% | $70-32.7% |