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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $29,173 | $65,092-55.2% | $143,799-79.7% | $66,938-56.4% |
| Participation rate | 29.7% | 65.2%-35.5pp | 80.3%-50.6pp | 69.8%-40.1pp |
| Annual return | -19.26% | -11.14%-8.1pp | -0.04%-19.2pp | 1.58%-20.8pp |
| Employer contribution / active EE | $659 | $2,362-72.1% | $4,952-86.7% | $2,545-74.1% |
| Participant deferral / active EE | $1,335 | $2,920-54.3% | $5,638-76.3% | $4,238-68.5% |
| Admin fee / account holder | $304 | $502-39.5% | $14,677-97.9% | $594-48.8% |