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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 | $7,114 | $52,467-86.4% | $57,196-87.6% | $55,167-87.1% |
| Participation rate | 46.5% | 75.8%-29.4pp | 75.3%-28.8pp | 69.0%-22.5pp |
| Annual return | 16.31% | 7.72%+8.6pp | 14.59%+1.7pp | 169.23%-152.9pp |
| Employer contribution / active EE | $468 | $2,477-81.1% | $2,683-82.6% | $1,963-76.2% |
| Participant deferral / active EE | $1,215 | $2,830-57.1% | $3,096-60.8% | $3,054-60.2% |
| Admin fee / account holder | $26 | $269-90.4% | $3,141-99.2% | $504-94.9% |