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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 | $57,483 | $75,183-23.5% | $123,894-53.6% | $55,167+4.2% |
| Participation rate | 50.5% | 72.8%-22.4pp | 81.4%-30.9pp | 69.0%-18.5pp |
| Annual return | 8.59% | 19.01%-10.4pp | 47.52%-38.9pp | 169.23%-160.6pp |
| Employer contribution / active EE | $987 | $2,823-65.0% | $4,617-78.6% | $1,963-49.7% |
| Participant deferral / active EE | $4,029 | $5,084-20.8% | $5,984-32.7% | $3,054+31.9% |
| Admin fee / account holder | $428 | $663-35.4% | $8,357-94.9% | $504-15.1% |