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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.
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 | $59,518 | $64,176-7.3% | $112,249-47.0% | $66,938-11.1% |
| Participation rate | 54.2% | 68.4%-14.2pp | 75.1%-20.9pp | 69.8%-15.6pp |
| Annual return | -19.52% | -13.80%-5.7pp | 27.48%-47.0pp | 1.58%-21.1pp |
| Employer contribution / active EE | $1,294 | $3,007-57.0% | $3,636-64.4% | $2,545-49.2% |
| Participant deferral / active EE | $1,934 | $3,694-47.6% | $4,729-59.1% | $4,238-54.4% |
| Admin fee / account holder | $433 | $626-30.8% | $6,412-93.2% | $594-27.0% |