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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.
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 | $52,403 | $89,652-41.5% | $141,191-62.9% | $65,185-19.6% |
| Participation rate | 11.9% | 74.7%-62.8pp | 82.5%-70.6pp | 70.2%-58.3pp |
| Annual return | 17.92% | 32.79%-14.9pp | 71.41%-53.5pp | 29.38%-11.5pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $169 | $5,691-97.0% | $6,710-97.5% | $3,514-95.2% |
| Admin fee / account holder | $868 | $569+52.7% | $10,264-91.5% | $847+2.5% |