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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,042 | $16,790-70.0% | $64,489-92.2% | $67,986-92.6% |
| Participation rate | 68.9% | 62.4%+6.5pp | 67.7%+1.2pp | 57.2%+11.7pp |
| Annual return | 22.56% | 30.55%-8.0pp | 55.03%-32.5pp | 31.67%-9.1pp |
| Employer contribution / active EE | $689 | $648+6.4% | $1,523-54.8% | $2,019-65.9% |
| Participant deferral / active EE | $1,653 | $1,510+9.4% | $2,778-40.5% | $3,358-50.8% |
| Admin fee / account holder | $25 | $1,690-98.5% | $4,260-99.4% | $3,203-99.2% |