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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $23,176 | $79,523-70.9% | $140,019-83.4% | $56,289-58.8% |
| Participation rate | 47.6% | 85.7%-38.1pp | 87.5%-39.9pp | 69.9%-22.2pp |
| Annual return | -4.68% | 2.39%-7.1pp | 651.17%-655.9pp | -9.96%+5.3pp |
| Employer contribution / active EE | $684 | $3,350-79.6% | $5,605-87.8% | $2,111-67.6% |
| Participant deferral / active EE | $3,301 | $5,129-35.6% | $6,927-52.3% | $3,350-1.4% |
| Admin fee / account holder | $28 | $614-95.4% | $10,705-99.7% | $521-94.6% |