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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $31,346 | $57,921-45.9% | $84,753-63.0% | $57,658-45.6% |
| Participation rate | 1.4% | 72.9%-71.5pp | 76.6%-75.2pp | 70.2%-68.8pp |
| Annual return | 6.44% | 10.24%-3.8pp | 22.78%-16.3pp | 5.13%+1.3pp |
| Employer contribution / active EE | $590 | $2,598-77.3% | $3,574-83.5% | $1,974-70.1% |
| Participant deferral / active EE | $1,527 | $2,742-44.3% | $3,712-58.9% | $3,061-50.1% |
| Admin fee / account holder | $108 | $130-17.0% | $5,333-98.0% | $95+13.8% |