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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,651 | $30,086+18.5% | $61,399-41.9% | $64,814-45.0% |
| Participation rate | 25.2% | 36.4%-11.2pp | 52.6%-27.4pp | 71.5%-46.3pp |
| Annual return | -18.76% | -13.99%-4.8pp | 338.81%-357.6pp | 32.84%-51.6pp |
| Employer contribution / active EE | $997 | $536+85.9% | $1,159-14.0% | $2,507-60.2% |
| Participant deferral / active EE | $2,035 | $1,126+80.8% | $2,124-4.2% | $4,310-52.8% |
| Admin fee / account holder | $389 | $148+162.4% | $2,131-81.8% | $188+107.0% |