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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 | $53,660 | $46,697+14.9% | $117,529-54.3% | $68,490-21.7% |
| Participation rate | 47.4% | 56.8%-9.4pp | 70.6%-23.2pp | 67.9%-20.5pp |
| Annual return | -20.41% | -14.52%-5.9pp | 29.77%-50.2pp | -7.85%-12.6pp |
| Employer contribution / active EE | $1,548 | $1,506+2.8% | $4,179-63.0% | $2,597-40.4% |
| Participant deferral / active EE | $2,558 | $2,637-3.0% | $4,072-37.2% | $4,028-36.5% |
| Admin fee / account holder | $746 | $4,023-81.4% | $5,645-86.8% | $5,403-86.2% |