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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 | $48,322 | $52,639-8.2% | $185,117-73.9% | $62,293-22.4% |
| Participation rate | 34.6% | 63.9%-29.3pp | 77.3%-42.7pp | 69.5%-34.9pp |
| Annual return | 20.77% | 19.57%+1.2pp | 40.50%-19.7pp | 28.90%-8.1pp |
| Employer contribution / active EE | $381 | $1,483-74.3% | $4,182-90.9% | $2,042-81.3% |
| Participant deferral / active EE | $2,081 | $3,097-32.8% | $5,045-58.8% | $3,169-34.3% |
| Admin fee / account holder | $395 | $374+5.8% | $8,159-95.2% | $479-17.5% |