Filed December 11, 2019
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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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $1,281,927 | $88,515+1348.3% | $162,185+690.4% | $67,584+1796.8% |
| Participation rate | 0.0% | 86.8%-86.8pp | 87.6%-87.6pp | 71.3%-71.3pp |
| Annual return | 23.66% | 27.04%-3.4pp | 115.61%-91.9pp | 378.59%-354.9pp |
| Employer contribution / active EE | $3,834 | $3,563+7.6% | $5,613-31.7% | $2,148+78.5% |
| Participant deferral / active EE | $10,774 | $5,724+88.2% | $7,297+47.6% | $3,540+204.4% |
| Admin fee / account holder | $804 | $124+549.7% | $10,844-92.6% | $142+464.7% |