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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 | $106,110-31.8% | $147,005-50.8% | $77,671-6.8% |
| Participation rate | 62.7% | 78.4%-15.7pp | 82.2%-19.5pp | 70.6%-7.9pp |
| Annual return | 18.26% | 56.77%-38.5pp | 418.76%-400.5pp | 31.21%-12.9pp |
| Employer contribution / active EE | $603 | $4,065-85.2% | $4,934-87.8% | $2,726-77.9% |
| Participant deferral / active EE | $6,783 | $7,992-15.1% | $8,070-15.9% | $4,648+45.9% |
| Admin fee / account holder | $339 | $338+0.5% | $13,006-97.4% | $430-21.1% |