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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.
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 | $106,380 | $64,176+65.8% | $112,249-5.2% | $66,938+58.9% |
| Participation rate | 62.5% | 68.4%-5.9pp | 75.1%-12.6pp | 69.8%-7.3pp |
| Annual return | -31.98% | -13.80%-18.2pp | 27.48%-59.5pp | 1.58%-33.6pp |
| Employer contribution / active EE | $0 | $3,007-100.0% | $3,636-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,557 | $3,694+23.4% | $4,729-3.6% | $4,238+7.5% |
| Admin fee / account holder | $676 | $626+8.1% | $6,412-89.5% | $594+14.0% |