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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.
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 | $23,676 | $48,064-50.7% | $78,778-69.9% | $69,631-66.0% |
| Participation rate | 47.2% | 61.6%-14.4pp | 69.2%-22.0pp | 70.7%-23.5pp |
| Annual return | 16.60% | 21.81%-5.2pp | 35.62%-19.0pp | 27571.02%-27554.4pp |
| Employer contribution / active EE | $0 | $744-100.0% | $1,986-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $927 | $2,079-55.4% | $2,958-68.7% | $3,224-71.2% |
| Admin fee / account holder | $21 | $152-86.1% | $5,134-99.6% | $110-80.9% |