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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $49,071 | $40,479+21.2% | $78,210-37.3% | $62,293-21.2% |
| Participation rate | 21.2% | 54.6%-33.4pp | 68.7%-47.6pp | 69.5%-48.3pp |
| Annual return | 18.23% | 66.31%-48.1pp | 40.90%-22.7pp | 28.90%-10.7pp |
| Employer contribution / active EE | $504 | $1,024-50.8% | $2,034-75.2% | $2,042-75.3% |
| Participant deferral / active EE | $1,376 | $1,718-19.9% | $2,823-51.2% | $3,169-56.6% |
| Admin fee / account holder | $511 | $376+35.7% | $3,758-86.4% | $479+6.5% |