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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.)
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 | $23,659 | $50,919-53.5% | $155,556-84.8% | $77,762-69.6% |
| Participation rate | 38.7% | 63.1%-24.4pp | 78.2%-39.6pp | 70.6%-31.9pp |
| Annual return | 24.83% | 34.84%-10.0pp | 64.84%-40.0pp | 31.27%-6.4pp |
| Employer contribution / active EE | $1,240 | $1,991-37.7% | $4,675-73.5% | $2,728-54.5% |
| Participant deferral / active EE | $1,931 | $2,824-31.6% | $5,631-65.7% | $4,651-58.5% |
| Admin fee / account holder | $380 | $437-13.0% | $15,885-97.6% | $433-12.3% |