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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 | $50,820-53.4% | $155,567-84.8% | $77,671-69.5% |
| Participation rate | 38.7% | 63.1%-24.5pp | 78.2%-39.5pp | 70.6%-31.9pp |
| Annual return | 24.83% | 34.85%-10.0pp | 64.74%-39.9pp | 31.21%-6.4pp |
| Employer contribution / active EE | $1,240 | $1,993-37.8% | $4,674-73.5% | $2,726-54.5% |
| Participant deferral / active EE | $1,931 | $2,823-31.6% | $5,628-65.7% | $4,648-58.4% |
| Admin fee / account holder | $380 | $436-12.9% | $15,916-97.6% | $430-11.7% |