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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,042 | $52,293+16.7% | $178,499-65.8% | $73,412-16.8% |
| Participation rate | 21.1% | 65.3%-44.2pp | 81.9%-60.8pp | 72.2%-51.1pp |
| Annual return | 13.58% | 34.75%-21.2pp | 151.10%-137.5pp | 59.30%-45.7pp |
| Employer contribution / active EE | $1,180 | $1,735-32.0% | $5,011-76.5% | $2,234-47.2% |
| Participant deferral / active EE | $2,162 | $2,332-7.3% | $5,202-58.4% | $3,806-43.2% |
| Admin fee / account holder | $388 | $127+205.0% | $13,986-97.2% | $158+146.0% |