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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 | $25,043 | $49,138-49.0% | $84,021-70.2% | $65,185-61.6% |
| Participation rate | 2.3% | 60.7%-58.5pp | 69.0%-66.7pp | 70.2%-67.9pp |
| Annual return | 8.63% | 23.00%-14.4pp | 71.32%-62.7pp | 29.38%-20.8pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $16 | $2,397-99.3% | $3,239-99.5% | $3,514-99.5% |
| Admin fee / account holder | $369 | $543-32.0% | $6,102-93.9% | $847-56.4% |