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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.)
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 | $13,869 | $63,471-78.1% | $68,803-79.8% | $66,949-79.3% |
| Participation rate | 20.2% | 60.0%-39.8pp | 69.0%-48.8pp | 69.8%-49.6pp |
| Annual return | -15.46% | -8.29%-7.2pp | -6.37%-9.1pp | 1.57%-17.0pp |
| Employer contribution / active EE | $0 | $1,776-100.0% | $2,656-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,021 | $2,946-65.3% | $3,942-74.1% | $4,239-75.9% |
| Admin fee / account holder | $342 | $578-40.7% | $4,936-93.1% | $594-42.3% |