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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,887 | $73,638-45.8% | $95,960-58.4% | $73,493-45.7% |
| Participation rate | 61.3% | 76.2%-14.8pp | 77.1%-15.8pp | 70.7%-9.4pp |
| Annual return | 8.34% | 16.78%-8.4pp | 91.63%-83.3pp | 28.51%-20.2pp |
| Employer contribution / active EE | $218 | $1,863-88.3% | $2,541-91.4% | $2,270-90.4% |
| Participant deferral / active EE | $2,737 | $3,617-24.3% | $4,167-34.3% | $3,740-26.8% |
| Admin fee / account holder | $128 | $482-73.4% | $6,797-98.1% | $513-75.0% |