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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 | $82,927 | $64,138+29.3% | $112,258-26.1% | $66,930+23.9% |
| Participation rate | 66.3% | 68.5%-2.1pp | 75.1%-8.7pp | 69.8%-3.5pp |
| Annual return | -18.51% | -13.81%-4.7pp | 27.47%-46.0pp | 1.57%-20.1pp |
| Employer contribution / active EE | $2,706 | $3,006-10.0% | $3,636-25.6% | $2,545+6.3% |
| Participant deferral / active EE | $4,494 | $3,694+21.7% | $4,728-5.0% | $4,238+6.1% |
| Admin fee / account holder | $913 | $625+46.0% | $6,411-85.8% | $593+53.8% |