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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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $57,008 | $54,193+5.2% | $93,669-39.1% | $77,714-26.6% |
| Participation rate | 27.2% | 63.9%-36.7pp | 68.7%-41.5pp | 70.6%-43.4pp |
| Annual return | 14.40% | 30.54%-16.1pp | 133.59%-119.2pp | 31.26%-16.9pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,424-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,530 | $3,144-19.5% | $4,416-42.7% | $4,649-45.6% |
| Admin fee / account holder | $334 | $576-42.0% | $8,291-96.0% | $433-23.0% |