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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).
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 | $51,421 | $56,640-9.2% | $78,002-34.1% | $55,167-6.8% |
| Participation rate | 54.7% | 73.3%-18.6pp | 75.5%-20.8pp | 69.0%-14.3pp |
| Annual return | 7.85% | 2868.48%-2860.6pp | 425.99%-418.1pp | 169.23%-161.4pp |
| Employer contribution / active EE | $476 | $1,724-72.4% | $2,470-80.7% | $1,963-75.7% |
| Participant deferral / active EE | $2,236 | $2,778-19.5% | $3,497-36.1% | $3,054-26.8% |
| Admin fee / account holder | $318 | $467-31.8% | $5,481-94.2% | $504-36.9% |