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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 | $40,855 | $50,898-19.7% | $171,082-76.1% | $55,167-25.9% |
| Participation rate | 35.8% | 63.3%-27.4pp | 76.7%-40.9pp | 69.0%-33.2pp |
| Annual return | 8.42% | 15.34%-6.9pp | 32.56%-24.1pp | 169.23%-160.8pp |
| Employer contribution / active EE | $280 | $1,433-80.5% | $4,002-93.0% | $1,963-85.8% |
| Participant deferral / active EE | $1,741 | $2,994-41.8% | $4,797-63.7% | $3,054-43.0% |
| Admin fee / account holder | $331 | $500-33.8% | $8,520-96.1% | $504-34.4% |