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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $30,018 | $51,466-41.7% | $78,778-61.9% | $62,293-51.8% |
| Participation rate | 61.5% | 59.8%+1.7pp | 69.2%-7.7pp | 69.5%-8.0pp |
| Annual return | 13.19% | 19.96%-6.8pp | 35.62%-22.4pp | 28.90%-15.7pp |
| Employer contribution / active EE | $990 | $827+19.6% | $1,986-50.2% | $2,042-51.5% |
| Participant deferral / active EE | $2,249 | $2,147+4.7% | $2,958-24.0% | $3,169-29.0% |
| Admin fee / account holder | $350 | $489-28.4% | $5,134-93.2% | $479-26.9% |