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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,238 | $50,956+4.5% | $96,570-44.9% | $86,821-38.7% |
| Participation rate | 32.4% | 65.2%-32.8pp | 69.8%-37.4pp | 72.3%-39.9pp |
| Annual return | 14.21% | 21.27%-7.1pp | 37.79%-23.6pp | 97.94%-83.7pp |
| Employer contribution / active EE | $0 | $1,111-100.0% | $2,357-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $2,586 | $2,954-12.5% | $3,849-32.8% | $4,132-37.4% |
| Admin fee / account holder | $311 | $166+87.6% | $6,182-95.0% | $170+83.7% |