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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,973 | $42,810-44.0% | $169,452-85.9% | $55,725-57.0% |
| Participation rate | 23.7% | 64.7%-41.1pp | 77.8%-54.1pp | 70.9%-47.2pp |
| Annual return | -11.45% | -3.61%-7.8pp | 1.83%-13.3pp | 244.93%-256.4pp |
| Employer contribution / active EE | $774 | $1,402-44.8% | $4,157-81.4% | $2,078-62.8% |
| Participant deferral / active EE | $1,611 | $3,141-48.7% | $5,277-69.5% | $3,356-52.0% |
| Admin fee / account holder | $338 | $106+217.3% | $9,110-96.3% | $115+193.3% |