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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $61,100 | $75,760-19.3% | $123,105-50.4% | $59,188+3.2% |
| Participation rate | 56.6% | 86.0%-29.4pp | 86.8%-30.2pp | 69.4%-12.8pp |
| Annual return | -0.76% | 2.93%-3.7pp | 13.22%-14.0pp | 5.51%-6.3pp |
| Employer contribution / active EE | $1,238 | $3,415-63.8% | $5,151-76.0% | $2,098-41.0% |
| Participant deferral / active EE | $0 | $5,000-100.0% | $6,229-100.0% | $3,265-100.0% |
| Admin fee / account holder | $485 | $61+698.4% | $9,014-94.6% | $92+425.9% |