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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).
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 | $22,652 | $52,961-57.2% | $172,755-86.9% | $65,185-65.3% |
| Participation rate | 27.6% | 66.2%-38.6pp | 82.6%-55.0pp | 70.2%-42.6pp |
| Annual return | 16.86% | 30.12%-13.3pp | 802.94%-786.1pp | 29.38%-12.5pp |
| Employer contribution / active EE | $409 | $2,190-81.3% | $5,144-92.0% | $2,177-81.2% |
| Participant deferral / active EE | $1,054 | $2,471-57.4% | $5,198-79.7% | $3,514-70.0% |
| Admin fee / account holder | $359 | $472-24.0% | $13,955-97.4% | $847-57.7% |