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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $38,722 | $31,109+24.5% | $67,704-42.8% | $52,331-26.0% |
| Participation rate | 60.5% | 54.0%+6.5pp | 67.5%-7.0pp | 68.1%-7.6pp |
| Annual return | -0.85% | 23.70%-24.5pp | 25.41%-26.3pp | 4.54%-5.4pp |
| Employer contribution / active EE | $921 | $1,076-14.3% | $2,559-64.0% | $1,882-51.0% |
| Participant deferral / active EE | $1,918 | $1,970-2.7% | $3,585-46.5% | $3,022-36.5% |
| Admin fee / account holder | $345 | $466-25.9% | $4,255-91.9% | $592-41.6% |