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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 | $61,940 | $95,383-35.1% | $185,837-66.7% | $85,856-27.9% |
| Participation rate | 65.8% | 68.8%-3.0pp | 81.7%-16.0pp | 69.3%-3.6pp |
| Annual return | 17.58% | 23.59%-6.0pp | 122.08%-104.5pp | 318.58%-301.0pp |
| Employer contribution / active EE | $0 | $3,313-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,683 | $3,423+7.6% | $5,568-33.9% | $3,952-6.8% |
| Admin fee / account holder | $307 | $7,213-95.7% | $16,241-98.1% | $6,261-95.1% |