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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,827 | $105,284-5.2% | $150,734-33.8% | $94,015+6.2% |
| Participation rate | 41.9% | 71.7%-29.8pp | 78.4%-36.5pp | 70.8%-28.9pp |
| Annual return | 9.94% | 15.67%-5.7pp | 600.81%-590.9pp | 17.84%-7.9pp |
| Employer contribution / active EE | $1,108 | $3,599-69.2% | $4,918-77.5% | $2,790-60.3% |
| Participant deferral / active EE | $3,161 | $4,274-26.0% | $5,610-43.7% | $4,249-25.6% |
| Admin fee / account holder | $489 | $9,839-95.0% | $14,905-96.7% | $8,951-94.5% |