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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,325 | $24,891-86.6% | $69,632-95.2% | $74,478-95.5% |
| Participation rate | 65.2% | 63.4%+1.7pp | 66.4%-1.2pp | 67.2%-2.0pp |
| Annual return | 15.67% | 18.53%-2.9pp | 101.32%-85.7pp | 1370.56%-1354.9pp |
| Employer contribution / active EE | $525 | $1,005-47.8% | $1,708-69.3% | $2,626-80.0% |
| Participant deferral / active EE | $952 | $1,908-50.1% | $2,889-67.0% | $4,350-78.1% |
| Admin fee / account holder | $13 | $1,904-99.3% | $4,695-99.7% | $1,946-99.3% |