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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $34,486 | $50,902-32.3% | $155,534-77.8% | $77,736-55.6% |
| Participation rate | 22.4% | 63.1%-40.7pp | 78.2%-55.8pp | 70.6%-48.2pp |
| Annual return | 9.88% | 34.85%-25.0pp | 64.92%-55.0pp | 31.26%-21.4pp |
| Employer contribution / active EE | $456 | $1,991-77.1% | $4,675-90.2% | $2,728-83.3% |
| Participant deferral / active EE | $772 | $2,824-72.6% | $5,630-86.3% | $4,651-83.4% |
| Admin fee / account holder | $453 | $437+3.7% | $15,900-97.1% | $433+4.6% |