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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,356 | $106,247-31.9% | $147,096-50.8% | $77,714-6.9% |
| Participation rate | 62.7% | 78.4%-15.7pp | 82.2%-19.5pp | 70.6%-7.9pp |
| Annual return | 18.26% | 56.87%-38.6pp | 419.75%-401.5pp | 31.26%-13.0pp |
| Employer contribution / active EE | $603 | $4,069-85.2% | $4,936-87.8% | $2,727-77.9% |
| Participant deferral / active EE | $6,783 | $7,996-15.2% | $8,071-16.0% | $4,649+45.9% |
| Admin fee / account holder | $339 | $338+0.3% | $13,005-97.4% | $433-21.7% |