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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,917 | $59,220+13.0% | $96,570-30.7% | $79,391-15.7% |
| Participation rate | 36.7% | 61.9%-25.2pp | 69.8%-33.1pp | 70.7%-34.0pp |
| Annual return | 52.29% | 27.08%+25.2pp | 37.79%+14.5pp | 116.88%-64.6pp |
| Employer contribution / active EE | $0 | $1,216-100.0% | $2,357-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,813 | $2,948-38.5% | $3,849-52.9% | $4,046-55.2% |
| Admin fee / account holder | $10 | $659-98.5% | $6,182-99.8% | $627-98.4% |