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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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,058 | $78,670-26.2% | $109,173-46.8% | $85,847-32.4% |
| Participation rate | 46.3% | 68.3%-22.0pp | 75.9%-29.6pp | 69.3%-23.1pp |
| Annual return | 7.96% | 25.09%-17.1pp | 25.75%-17.8pp | 318.61%-310.6pp |
| Employer contribution / active EE | $810 | $2,734-70.4% | $3,723-78.3% | $2,565-68.4% |
| Participant deferral / active EE | $4,197 | $3,467+21.0% | $4,654-9.8% | $3,952+6.2% |
| Admin fee / account holder | $807 | $5,469-85.2% | $6,755-88.1% | $6,261-87.1% |