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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,915 | $55,453-60.5% | $170,435-87.1% | $62,293-64.8% |
| Participation rate | 66.3% | 66.4%-0.1pp | 83.6%-17.3pp | 69.5%-3.2pp |
| Annual return | 16.40% | 21.38%-5.0pp | 205.94%-189.5pp | 28.90%-12.5pp |
| Employer contribution / active EE | $253 | $2,164-88.3% | $5,432-95.3% | $2,042-87.6% |
| Participant deferral / active EE | $1,777 | $2,303-22.8% | $4,939-64.0% | $3,169-43.9% |
| Admin fee / account holder | $21 | $455-95.3% | $13,881-99.8% | $479-95.5% |