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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 | $34,439 | $60,545-43.1% | $92,240-62.7% | $69,631-50.5% |
| Participation rate | 1.9% | 72.2%-70.2pp | 76.5%-74.6pp | 70.7%-68.8pp |
| Annual return | 15.29% | 19.71%-4.4pp | 176.29%-161.0pp | 27571.02%-27555.7pp |
| Employer contribution / active EE | $709 | $2,633-73.1% | $3,680-80.7% | $2,032-65.1% |
| Participant deferral / active EE | $1,869 | $2,828-33.9% | $3,897-52.1% | $3,224-42.0% |
| Admin fee / account holder | $100 | $145-30.6% | $5,194-98.1% | $110-9.1% |