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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.)
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 | $19,703 | $59,186-66.7% | $76,766-74.3% | $56,287-65.0% |
| Participation rate | 33.3% | 75.2%-41.9pp | 77.0%-43.6pp | 69.9%-36.5pp |
| Annual return | -6.14% | 6.62%-12.8pp | 2.43%-8.6pp | -9.96%+3.8pp |
| Employer contribution / active EE | $41 | $1,759-97.6% | $2,485-98.3% | $2,111-98.0% |
| Participant deferral / active EE | $1,655 | $3,255-49.1% | $3,851-57.0% | $3,350-50.6% |
| Admin fee / account holder | $304 | $489-37.9% | $6,675-95.4% | $521-41.7% |