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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 | $49,183 | $64,719-24.0% | $112,249-56.2% | $68,486-28.2% |
| Participation rate | 40.9% | 67.2%-26.2pp | 75.1%-34.2pp | 67.9%-27.0pp |
| Annual return | -15.44% | -11.40%-4.0pp | 27.48%-42.9pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,048 | $2,747-61.8% | $3,636-71.2% | $2,597-59.6% |
| Participant deferral / active EE | $2,759 | $3,565-22.6% | $4,729-41.7% | $4,028-31.5% |
| Admin fee / account holder | $301 | $5,232-94.3% | $6,412-95.3% | $5,404-94.4% |