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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $21,030 | $42,546-50.6% | $71,796-70.7% | $55,167-61.9% |
| Participation rate | 60.9% | 59.1%+1.8pp | 69.1%-8.2pp | 69.0%-8.1pp |
| Annual return | 6.94% | 12.36%-5.4pp | 78.04%-71.1pp | 169.23%-162.3pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,334 | $2,064-35.4% | $2,794-52.3% | $3,054-56.3% |
| Admin fee / account holder | $10 | $650-98.5% | $4,815-99.8% | $504-98.1% |