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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 | $64,189 | $80,354-20.1% | $133,975-52.1% | $63,975+0.3% |
| Participation rate | 56.5% | 87.5%-31.0pp | 87.1%-30.6pp | 71.1%-14.6pp |
| Annual return | 5.56% | 13.11%-7.5pp | 29.29%-23.7pp | 48.65%-43.1pp |
| Employer contribution / active EE | $1,408 | $3,503-59.8% | $5,211-73.0% | $2,182-35.4% |
| Participant deferral / active EE | $0 | $5,239-100.0% | $6,282-100.0% | $3,356-100.0% |
| Admin fee / account holder | $356 | $69+413.6% | $9,324-96.2% | $70+405.4% |