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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $31,119 | $54,573-43.0% | $90,965-65.8% | $73,493-57.7% |
| Participation rate | 35.0% | 61.2%-26.2pp | 69.0%-34.1pp | 70.7%-35.7pp |
| Annual return | 13.86% | 16.69%-2.8pp | 134.57%-120.7pp | 28.51%-14.7pp |
| Employer contribution / active EE | $891 | $991-10.1% | $2,122-58.0% | $2,270-60.8% |
| Participant deferral / active EE | $2,848 | $2,517+13.2% | $3,373-15.6% | $3,740-23.8% |
| Admin fee / account holder | $326 | $521-37.6% | $5,960-94.5% | $513-36.5% |