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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.
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 | $41,461 | $57,763-28.2% | $112,228-63.1% | $71,529-42.0% |
| Participation rate | 22.3% | 58.9%-36.6pp | 72.4%-50.1pp | 67.9%-45.6pp |
| Annual return | 13.49% | 18.26%-4.8pp | 30.23%-16.7pp | 28.97%-15.5pp |
| Employer contribution / active EE | $616 | $1,916-67.9% | $3,432-82.1% | $2,590-76.2% |
| Participant deferral / active EE | $1,193 | $2,865-58.4% | $4,800-75.1% | $4,291-72.2% |
| Admin fee / account holder | $337 | $1,563-78.4% | $7,752-95.7% | $1,588-78.8% |