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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $12,457 | $58,895-78.8% | $178,503-93.0% | $73,497-83.1% |
| Participation rate | 39.8% | 66.2%-26.4pp | 81.9%-42.1pp | 70.7%-30.8pp |
| Annual return | 12.77% | 24.86%-12.1pp | 151.12%-138.3pp | 28.51%-15.7pp |
| Employer contribution / active EE | $691 | $2,236-69.1% | $5,011-86.2% | $2,270-69.5% |
| Participant deferral / active EE | $1,462 | $2,567-43.0% | $5,202-71.9% | $3,740-60.9% |
| Admin fee / account holder | $388 | $400-3.0% | $13,987-97.2% | $513-24.3% |