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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $23,041 | $89,652-74.3% | $141,197-83.7% | $65,186-64.7% |
| Participation rate | 50.7% | 74.7%-24.0pp | 82.5%-31.8pp | 70.2%-19.5pp |
| Annual return | 30.50% | 32.79%-2.3pp | 71.41%-40.9pp | 29.39%+1.1pp |
| Employer contribution / active EE | $867 | $3,065-71.7% | $4,736-81.7% | $2,177-60.2% |
| Participant deferral / active EE | $3,217 | $5,691-43.5% | $6,710-52.1% | $3,514-8.4% |
| Admin fee / account holder | $9 | $569-98.5% | $10,265-99.9% | $847-99.0% |