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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 | $27,271 | $80,753-66.2% | $136,298-80.0% | $62,293-56.2% |
| Participation rate | 38.2% | 73.5%-35.3pp | 81.9%-43.7pp | 69.5%-31.3pp |
| Annual return | 29.60% | 35.83%-6.2pp | 5156.27%-5126.7pp | 28.90%+0.7pp |
| Employer contribution / active EE | $886 | $2,884-69.3% | $4,696-81.1% | $2,042-56.6% |
| Participant deferral / active EE | $1,650 | $5,164-68.0% | $6,247-73.6% | $3,169-47.9% |
| Admin fee / account holder | $337 | $525-35.8% | $9,244-96.4% | $479-29.7% |