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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,861 | $130,294-75.5% | $170,043-81.3% | $71,511-55.4% |
| Participation rate | 43.0% | 86.2%-43.2pp | 87.0%-44.0pp | 67.9%-25.0pp |
| Annual return | 13.75% | 20.36%-6.6pp | 53.40%-39.7pp | 28.86%-15.1pp |
| Employer contribution / active EE | $0 | $4,385-100.0% | $6,790-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,191 | $6,928-68.4% | $10,410-79.0% | $4,291-48.9% |
| Admin fee / account holder | $577 | $966-40.3% | $12,824-95.5% | $1,588-63.7% |