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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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $74,443 | $37,440+98.8% | $77,081-3.4% | $66,930+11.2% |
| Participation rate | 30.5% | 52.9%-22.4pp | 67.9%-37.4pp | 69.8%-39.3pp |
| Annual return | -13.06% | -3.26%-9.8pp | 42.33%-55.4pp | 1.57%-14.6pp |
| Employer contribution / active EE | $1,390 | $1,534-9.4% | $2,813-50.6% | $2,545-45.4% |
| Participant deferral / active EE | $4,543 | $2,620+73.4% | $4,428+2.6% | $4,238+7.2% |
| Admin fee / account holder | $609 | $568+7.3% | $5,427-88.8% | $593+2.6% |