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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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,322 | $77,670-12.0% | $109,163-37.4% | $79,393-13.9% |
| Participation rate | 57.8% | 67.8%-10.0pp | 75.9%-18.0pp | 70.7%-12.9pp |
| Annual return | 12.37% | 23.44%-11.1pp | 25.75%-13.4pp | 116.87%-104.5pp |
| Employer contribution / active EE | $1,217 | $2,798-56.5% | $3,723-67.3% | $2,428-49.9% |
| Participant deferral / active EE | $2,021 | $3,518-42.5% | $4,654-56.6% | $4,046-50.0% |
| Admin fee / account holder | $449 | $732-38.7% | $6,754-93.4% | $627-28.3% |