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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.)
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 | $48,718 | $49,451-1.5% | $79,580-38.8% | $66,938-27.2% |
| Participation rate | 66.3% | 61.3%+4.9pp | 69.5%-3.2pp | 69.8%-3.6pp |
| Annual return | -11.95% | 84.25%-96.2pp | 0.15%-12.1pp | 1.58%-13.5pp |
| Employer contribution / active EE | $883 | $1,266-30.2% | $2,413-63.4% | $2,545-65.3% |
| Participant deferral / active EE | $5,432 | $3,159+72.0% | $3,985+36.3% | $4,238+28.2% |
| Admin fee / account holder | $340 | $595-42.8% | $6,835-95.0% | $594-42.7% |