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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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,666 | $89,123-0.5% | $102,460-13.5% | $77,762+14.0% |
| Participation rate | 51.8% | 80.9%-29.1pp | 76.5%-24.7pp | 70.6%-18.8pp |
| Annual return | 16.71% | 25.05%-8.3pp | 29.47%-12.8pp | 31.27%-14.6pp |
| Employer contribution / active EE | $2,346 | $2,700-13.1% | $3,025-22.4% | $2,728-14.0% |
| Participant deferral / active EE | $4,920 | $5,148-4.4% | $5,056-2.7% | $4,651+5.8% |
| Admin fee / account holder | $382 | $236+62.1% | $9,460-96.0% | $433-11.7% |