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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).
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 | $82,797 | $55,449+49.3% | $83,830-1.2% | $56,287+47.1% |
| Participation rate | 27.2% | 68.0%-40.8pp | 76.1%-48.9pp | 69.9%-42.6pp |
| Annual return | -7.20% | -1.38%-5.8pp | 850.97%-858.2pp | -9.96%+2.8pp |
| Employer contribution / active EE | $1,016 | $2,430-58.2% | $3,631-72.0% | $2,111-51.9% |
| Participant deferral / active EE | $2,022 | $2,935-31.1% | $4,082-50.5% | $3,350-39.6% |
| Admin fee / account holder | $423 | $656-35.6% | $5,479-92.3% | $521-18.9% |