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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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,670 | $39,195-47.3% | $98,775-79.1% | $79,391-74.0% |
| Participation rate | 25.1% | 59.8%-34.6pp | 65.7%-40.6pp | 70.7%-45.6pp |
| Annual return | 12.76% | 19.95%-7.2pp | 49.92%-37.2pp | 116.88%-104.1pp |
| Employer contribution / active EE | $449 | $1,334-66.4% | $2,067-78.3% | $2,428-81.5% |
| Participant deferral / active EE | $865 | $2,333-62.9% | $3,035-71.5% | $4,046-78.6% |
| Admin fee / account holder | $302 | $365-17.3% | $4,076-92.6% | $627-51.8% |