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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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $124,221 | $55,449+124.0% | $83,831+48.2% | $56,289+120.7% |
| Participation rate | 68.3% | 68.0%+0.3pp | 76.1%-7.9pp | 69.9%-1.6pp |
| Annual return | -6.20% | -1.38%-4.8pp | 850.99%-857.2pp | -9.96%+3.8pp |
| Employer contribution / active EE | $2,323 | $2,430-4.4% | $3,631-36.0% | $2,111+10.0% |
| Participant deferral / active EE | $4,951 | $2,935+68.6% | $4,082+21.3% | $3,350+47.8% |
| Admin fee / account holder | $431 | $656-34.3% | $5,479-92.1% | $521-17.3% |