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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $412,573 | $62,928+555.6% | $172,752+138.8% | $67,579+510.5% |
| Participation rate | 0.0% | 64.5%-64.5pp | 82.6%-82.6pp | 71.3%-71.3pp |
| Annual return | 7.10% | 30.36%-23.3pp | 802.97%-795.9pp | 378.56%-371.5pp |
| Employer contribution / active EE | $0 | $1,636-100.0% | $5,144-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $492 | $2,145-77.0% | $5,198-90.5% | $3,539-86.1% |
| Admin fee / account holder | $412 | $167+147.0% | $13,955-97.1% | $142+189.3% |