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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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $38,301 | $54,717-30.0% | $86,216-55.6% | $71,511-46.4% |
| Participation rate | 68.4% | 60.1%+8.3pp | 69.0%-0.6pp | 67.9%+0.4pp |
| Annual return | 18.34% | 20.07%-1.7pp | 1169.42%-1151.1pp | 28.86%-10.5pp |
| Employer contribution / active EE | $1,105 | $1,267-12.7% | $2,382-53.6% | $2,589-57.3% |
| Participant deferral / active EE | $1,402 | $3,110-54.9% | $3,986-64.8% | $4,291-67.3% |
| Admin fee / account holder | $346 | $1,922-82.0% | $6,853-94.9% | $1,588-78.2% |