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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 | $41,088 | $79,694-48.4% | $96,171-57.3% | $79,391-48.2% |
| Participation rate | 35.6% | 54.0%-18.3pp | 68.4%-32.8pp | 70.7%-35.1pp |
| Annual return | 16.85% | 40.84%-24.0pp | 192.04%-175.2pp | 116.88%-100.0pp |
| Employer contribution / active EE | $973 | $1,443-32.6% | $2,799-65.2% | $2,428-59.9% |
| Participant deferral / active EE | $1,642 | $2,539-35.3% | $4,350-62.3% | $4,046-59.4% |
| Admin fee / account holder | $307 | $630-51.4% | $5,538-94.5% | $627-51.1% |