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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.)
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 | $42,598 | $65,092-34.6% | $143,799-70.4% | $66,938-36.4% |
| Participation rate | 25.0% | 65.2%-40.2pp | 80.3%-55.3pp | 69.8%-44.8pp |
| Annual return | 2970.20% | -11.14%+2981.3pp | -0.04%+2970.2pp | 1.58%+2968.6pp |
| Employer contribution / active EE | $421 | $2,362-82.2% | $4,952-91.5% | $2,545-83.5% |
| Participant deferral / active EE | $1,365 | $2,920-53.3% | $5,638-75.8% | $4,238-67.8% |
| Admin fee / account holder | $322 | $502-35.8% | $14,677-97.8% | $594-45.7% |