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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.)
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $29,683 | $69,383-57.2% | $101,264-70.7% | $73,493-59.6% |
| Participation rate | 48.1% | 68.4%-20.3pp | 75.8%-27.7pp | 70.7%-22.6pp |
| Annual return | 2.89% | 18.46%-15.6pp | 46.48%-43.6pp | 28.51%-25.6pp |
| Employer contribution / active EE | $1,245 | $2,628-52.6% | $3,660-66.0% | $2,270-45.2% |
| Participant deferral / active EE | $2,492 | $3,301-24.5% | $4,370-43.0% | $3,740-33.4% |
| Admin fee / account holder | $325 | $704-53.8% | $5,947-94.5% | $513-36.7% |