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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.)
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 | $48,456 | $53,774-9.9% | $134,162-63.9% | $79,852-39.3% |
| Participation rate | 49.4% | 58.8%-9.4pp | 72.2%-22.8pp | 69.6%-20.3pp |
| Annual return | 13.86% | 19.01%-5.1pp | 36.35%-22.5pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,081 | $1,322-18.2% | $3,705-70.8% | $2,471-56.2% |
| Participant deferral / active EE | $2,549 | $2,420+5.4% | $3,500-27.2% | $3,740-31.8% |
| Admin fee / account holder | $337 | $3,985-91.6% | $6,685-95.0% | $5,306-93.7% |