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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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,332 | $58,726-36.4% | $92,240-59.5% | $62,293-40.1% |
| Participation rate | 63.2% | 68.3%-5.1pp | 76.5%-13.2pp | 69.5%-6.3pp |
| Annual return | 7.64% | 43.62%-36.0pp | 176.29%-168.7pp | 28.90%-21.3pp |
| Employer contribution / active EE | $2,147 | $2,392-10.2% | $3,680-41.7% | $2,042+5.1% |
| Participant deferral / active EE | $3,524 | $2,766+27.4% | $3,897-9.6% | $3,169+11.2% |
| Admin fee / account holder | $490 | $556-11.9% | $5,194-90.6% | $479+2.3% |