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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,763 | $42,548+78.1% | $74,552+1.6% | $56,287+34.6% |
| Participation rate | 25.6% | 60.5%-34.9pp | 69.1%-43.5pp | 69.9%-44.2pp |
| Annual return | -4.41% | 12.40%-16.8pp | 32.53%-36.9pp | -9.96%+5.6pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,777 | $2,277-22.0% | $3,108-42.8% | $3,350-47.0% |
| Admin fee / account holder | $314 | $467-32.8% | $5,060-93.8% | $521-39.7% |