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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 | $54,696 | $106,110-48.5% | $147,005-62.8% | $77,671-29.6% |
| Participation rate | 25.6% | 78.4%-52.8pp | 82.2%-56.5pp | 70.6%-44.9pp |
| Annual return | 12.09% | 56.77%-44.7pp | 418.76%-406.7pp | 31.21%-19.1pp |
| Employer contribution / active EE | $0 | $4,065-100.0% | $4,934-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $2,434 | $7,992-69.5% | $8,070-69.8% | $4,648-47.6% |
| Admin fee / account holder | $462 | $338+36.9% | $13,006-96.4% | $430+7.4% |