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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 | $59,853 | $55,449+7.9% | $83,850-28.6% | $56,287+6.3% |
| Participation rate | 22.9% | 68.0%-45.1pp | 76.1%-53.2pp | 69.9%-46.9pp |
| Annual return | -9.83% | -1.38%-8.4pp | 850.92%-860.8pp | -9.96%+0.1pp |
| Employer contribution / active EE | $922 | $2,430-62.1% | $3,631-74.6% | $2,111-56.3% |
| Participant deferral / active EE | $1,732 | $2,935-41.0% | $4,082-57.6% | $3,350-48.3% |
| Admin fee / account holder | $458 | $656-30.2% | $5,478-91.6% | $521-12.1% |