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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,833 | $31,109-17.0% | $67,704-61.8% | $52,331-50.6% |
| Participation rate | 29.2% | 54.0%-24.8pp | 67.5%-38.3pp | 68.1%-38.9pp |
| Annual return | -2.75% | 23.70%-26.4pp | 25.41%-28.2pp | 4.54%-7.3pp |
| Employer contribution / active EE | $617 | $1,076-42.7% | $2,559-75.9% | $1,882-67.2% |
| Participant deferral / active EE | $933 | $1,970-52.6% | $3,585-74.0% | $3,022-69.1% |
| Admin fee / account holder | $317 | $466-32.1% | $4,255-92.6% | $592-46.5% |