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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 | $39,798 | $88,203-54.9% | $165,100-75.9% | $74,478-46.6% |
| Participation rate | 64.2% | 73.1%-8.9pp | 78.6%-14.4pp | 67.2%-3.0pp |
| Annual return | 10.55% | 17.13%-6.6pp | 70.21%-59.7pp | 1370.56%-1360.0pp |
| Employer contribution / active EE | $4,801 | $2,601+84.6% | $4,348+10.4% | $2,626+82.8% |
| Participant deferral / active EE | $3,601 | $4,505-20.1% | $6,035-40.3% | $4,350-17.2% |
| Admin fee / account holder | $442 | $2,235-80.2% | $12,696-96.5% | $1,946-77.3% |