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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 | $19,954 | $42,396-52.9% | $67,313-70.4% | $56,287-64.6% |
| Participation rate | 20.8% | 61.0%-40.1pp | 69.1%-48.2pp | 69.9%-49.0pp |
| Annual return | -6.76% | -36.63%+29.9pp | -4.08%-2.7pp | -9.96%+3.2pp |
| Employer contribution / active EE | $633 | $1,414-55.2% | $2,566-75.3% | $2,111-70.0% |
| Participant deferral / active EE | $910 | $2,360-61.4% | $3,568-74.5% | $3,350-72.8% |
| Admin fee / account holder | $394 | $510-22.7% | $4,507-91.3% | $521-24.4% |