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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 | $71,524 | $62,715+14.0% | $104,301-31.4% | $66,938+6.9% |
| Participation rate | 49.6% | 59.6%-10.0pp | 73.3%-23.7pp | 69.8%-20.2pp |
| Annual return | -19.70% | -14.70%-5.0pp | 24.61%-44.3pp | 1.58%-21.3pp |
| Employer contribution / active EE | $710 | $1,976-64.1% | $3,373-78.9% | $2,545-72.1% |
| Participant deferral / active EE | $3,215 | $2,852+12.7% | $4,626-30.5% | $4,238-24.1% |
| Admin fee / account holder | $503 | $657-23.4% | $7,340-93.1% | $594-15.2% |