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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $17,027 | $73,988-77.0% | $96,538-82.4% | $75,177-77.4% |
| Participation rate | 66.7% | 66.4%+0.2pp | 74.3%-7.7pp | 67.2%-0.5pp |
| Annual return | 14.15% | 26.73%-12.6pp | 35.74%-21.6pp | 160.75%-146.6pp |
| Employer contribution / active EE | $3,259 | $2,930+11.2% | $3,740-12.9% | $2,671+22.0% |
| Participant deferral / active EE | $1,944 | $3,660-46.9% | $4,880-60.2% | $4,126-52.9% |
| Admin fee / account holder | $477 | $5,220-90.9% | $6,737-92.9% | $5,651-91.6% |