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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 | $106,264-31.9% | $147,117-50.8% | $77,762-7.0% |
| Participation rate | 62.7% | 78.4%-15.7pp | 82.2%-19.5pp | 70.6%-7.9pp |
| Annual return | 18.26% | 56.94%-38.7pp | 420.54%-402.3pp | 31.27%-13.0pp |
| Employer contribution / active EE | $603 | $4,074-85.2% | $4,932-87.8% | $2,728-77.9% |
| Participant deferral / active EE | $6,783 | $8,003-15.3% | $8,065-15.9% | $4,651+45.8% |
| Admin fee / account holder | $339 | $334+1.5% | $12,993-97.4% | $433-21.6% |