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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 | $54,099 | $64,729-16.4% | $112,263-51.8% | $68,490-21.0% |
| Participation rate | 43.9% | 67.2%-23.2pp | 75.1%-31.1pp | 67.9%-24.0pp |
| Annual return | -22.98% | -11.40%-11.6pp | 27.49%-50.5pp | -7.85%-15.1pp |
| Employer contribution / active EE | $832 | $2,746-69.7% | $3,636-77.1% | $2,597-68.0% |
| Participant deferral / active EE | $4,961 | $3,566+39.1% | $4,729+4.9% | $4,028+23.2% |
| Admin fee / account holder | $659 | $5,222-87.4% | $6,410-89.7% | $5,403-87.8% |