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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.)
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 | $55,025 | $48,576+13.3% | $169,452-67.5% | $56,287-2.2% |
| Participation rate | 48.8% | 65.8%-17.1pp | 77.8%-29.0pp | 69.9%-21.1pp |
| Annual return | -5.27% | -2.51%-2.8pp | 1.83%-7.1pp | -9.96%+4.7pp |
| Employer contribution / active EE | $274 | $1,559-82.4% | $4,157-93.4% | $2,111-87.0% |
| Participant deferral / active EE | $2,008 | $3,275-38.7% | $5,277-61.9% | $3,350-40.0% |
| Admin fee / account holder | $388 | $435-10.7% | $9,110-95.7% | $521-25.4% |