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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $42,570 | $54,045-21.2% | $115,167-63.0% | $65,186-34.7% |
| Participation rate | 17.7% | 63.5%-45.9pp | 75.9%-58.2pp | 70.2%-52.5pp |
| Annual return | 8.96% | 26.55%-17.6pp | 35.60%-26.6pp | 29.39%-20.4pp |
| Employer contribution / active EE | $1,274 | $1,653-22.9% | $3,179-59.9% | $2,177-41.5% |
| Participant deferral / active EE | $0 | $2,504-100.0% | $4,169-100.0% | $3,514-100.0% |
| Admin fee / account holder | $1,261 | $626+101.5% | $7,089-82.2% | $847+48.8% |