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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,907 | $76,669-49.3% | $96,520-59.7% | $71,495-45.6% |
| Participation rate | 32.6% | 66.6%-34.0pp | 74.3%-41.8pp | 67.9%-35.4pp |
| Annual return | 8.88% | 48.29%-39.4pp | 35.72%-26.8pp | 28.85%-20.0pp |
| Employer contribution / active EE | $640 | $3,031-78.9% | $3,739-82.9% | $2,589-75.3% |
| Participant deferral / active EE | $1,952 | $3,771-48.2% | $4,879-60.0% | $4,291-54.5% |
| Admin fee / account holder | $303 | $2,028-85.1% | $6,733-95.5% | $1,588-80.9% |