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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 | $27,597 | $39,948-30.9% | $89,414-69.1% | $73,412-62.4% |
| Participation rate | 5.1% | 50.4%-45.3pp | 68.0%-62.8pp | 72.2%-67.0pp |
| Annual return | 36.67% | 50.12%-13.5pp | 245.50%-208.8pp | 59.30%-22.6pp |
| Employer contribution / active EE | $213 | $1,200-82.2% | $2,586-91.8% | $2,234-90.5% |
| Participant deferral / active EE | $512 | $2,193-76.6% | $3,890-86.8% | $3,806-86.5% |
| Admin fee / account holder | $319 | $134+137.5% | $4,883-93.5% | $158+101.9% |