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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,102 | $32,425-34.9% | $74,577-71.7% | $55,167-61.7% |
| Participation rate | 5.8% | 54.0%-48.2pp | 68.1%-62.3pp | 69.0%-63.1pp |
| Annual return | 9.35% | 10.63%-1.3pp | 20.47%-11.1pp | 169.23%-159.9pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $361 | $1,995-81.9% | $3,458-89.6% | $3,054-88.2% |
| Admin fee / account holder | $355 | $748-52.6% | $4,138-91.4% | $504-29.6% |