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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $9,399 | $36,767-74.4% | $81,473-88.5% | $62,293-84.9% |
| Participation rate | 50.8% | 54.4%-3.6pp | 68.0%-17.2pp | 69.5%-18.7pp |
| Annual return | 16.41% | 173.80%-157.4pp | 38.78%-22.4pp | 28.90%-12.5pp |
| Employer contribution / active EE | $0 | $1,128-100.0% | $2,568-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $822 | $2,111-61.0% | $3,537-76.7% | $3,169-74.0% |
| Admin fee / account holder | $37 | $797-95.4% | $4,561-99.2% | $479-92.4% |