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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.)
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $145,702 | $184,000-20.8% | $162,185-10.2% | $152,909-4.7% |
| Participation rate | 57.1% | 88.5%-31.4pp | 87.6%-30.4pp | 82.5%-25.3pp |
| Annual return | 21.98% | 150.80%-128.8pp | 115.61%-93.6pp | 345.46%-323.5pp |
| Employer contribution / active EE | $1,546 | $6,370-75.7% | $5,613-72.5% | $4,764-67.6% |
| Participant deferral / active EE | $12,466 | $8,033+55.2% | $7,297+70.8% | $5,851+113.0% |
| Admin fee / account holder | $581 | $13,124-95.6% | $10,844-94.6% | $11,601-95.0% |