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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 | $106,230-48.5% | $147,080-62.8% | $77,736-29.6% |
| Participation rate | 25.6% | 78.4%-52.7pp | 82.2%-56.5pp | 70.6%-44.9pp |
| Annual return | 12.09% | 56.91%-44.8pp | 420.17%-408.1pp | 31.26%-19.2pp |
| Employer contribution / active EE | $0 | $4,072-100.0% | $4,933-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,434 | $8,001-69.6% | $8,066-69.8% | $4,651-47.7% |
| Admin fee / account holder | $462 | $338+36.6% | $12,989-96.4% | $433+6.7% |