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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $20,910 | $47,977-56.4% | $154,108-86.4% | $56,289-62.9% |
| Participation rate | 62.5% | 66.2%-3.7pp | 83.0%-20.5pp | 69.9%-7.4pp |
| Annual return | 15.01% | 3.54%+11.5pp | 735.21%-720.2pp | -9.96%+25.0pp |
| Employer contribution / active EE | $1,069 | $2,169-50.7% | $5,298-79.8% | $2,111-49.4% |
| Participant deferral / active EE | $1,635 | $2,392-31.6% | $5,081-67.8% | $3,350-51.2% |
| Admin fee / account holder | $40 | $438-90.8% | $13,411-99.7% | $521-92.3% |