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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 | $85,092 | $64,716+31.5% | $112,258-24.2% | $68,495+24.2% |
| Participation rate | 48.3% | 67.2%-18.8pp | 75.1%-26.7pp | 67.9%-19.6pp |
| Annual return | -7.90% | -11.40%+3.5pp | 27.47%-35.4pp | -7.84%-0.1pp |
| Employer contribution / active EE | $1,107 | $2,746-59.7% | $3,636-69.6% | $2,596-57.4% |
| Participant deferral / active EE | $2,911 | $3,565-18.4% | $4,728-38.4% | $4,028-27.7% |
| Admin fee / account holder | $418 | $5,232-92.0% | $6,411-93.5% | $5,403-92.3% |