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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $75,388 | $50,637+48.9% | $86,581-12.9% | $62,293+21.0% |
| Participation rate | 10.0% | 67.9%-57.9pp | 73.5%-63.5pp | 69.5%-59.5pp |
| Annual return | 16.53% | 20.80%-4.3pp | 965.06%-948.5pp | 28.90%-12.4pp |
| Employer contribution / active EE | $355 | $2,075-82.9% | $2,840-87.5% | $2,042-82.6% |
| Participant deferral / active EE | $551 | $2,611-78.9% | $3,609-84.7% | $3,169-82.6% |
| Admin fee / account holder | $397 | $413-4.0% | $4,904-91.9% | $479-17.2% |