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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.
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 | $67,134 | $56,918+18.0% | $182,531-63.2% | $65,185+3.0% |
| Participation rate | 46.2% | 66.5%-20.3pp | 78.0%-31.7pp | 70.2%-24.0pp |
| Annual return | 17.60% | 27.67%-10.1pp | 148.57%-131.0pp | 29.38%-11.8pp |
| Employer contribution / active EE | $302 | $1,615-81.3% | $4,075-92.6% | $2,177-86.1% |
| Participant deferral / active EE | $2,327 | $3,526-34.0% | $5,525-57.9% | $3,514-33.8% |
| Admin fee / account holder | $608 | $531+14.4% | $8,593-92.9% | $847-28.3% |