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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $56,142 | $91,198-38.4% | $178,503-68.5% | $79,856-29.7% |
| Participation rate | 28.0% | 69.2%-41.3pp | 81.9%-54.0pp | 69.6%-41.7pp |
| Annual return | 13.21% | 24.20%-11.0pp | 151.12%-137.9pp | 31.71%-18.5pp |
| Employer contribution / active EE | $215 | $3,257-93.4% | $5,011-95.7% | $2,471-91.3% |
| Participant deferral / active EE | $1,626 | $3,237-49.7% | $5,202-68.7% | $3,741-56.5% |
| Admin fee / account holder | $522 | $6,748-92.3% | $13,987-96.3% | $5,306-90.2% |