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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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,807 | $25,723-11.3% | $69,182-67.0% | $55,167-58.7% |
| Participation rate | 32.8% | 39.4%-6.7pp | 55.1%-22.3pp | 69.0%-36.2pp |
| Annual return | -4.64% | 9.56%-14.2pp | -21.93%+17.3pp | 169.23%-173.9pp |
| Employer contribution / active EE | $41 | $480-91.6% | $1,206-96.6% | $1,963-97.9% |
| Participant deferral / active EE | $398 | $963-58.7% | $1,897-79.0% | $3,054-87.0% |
| Admin fee / account holder | $506 | $365+38.7% | $2,697-81.2% | $504+0.4% |