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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,837 | $84,493-77.7% | $125,381-85.0% | $66,938-71.9% |
| Participation rate | 39.3% | 76.4%-37.1pp | 82.4%-43.1pp | 69.8%-30.5pp |
| Annual return | -8.49% | -8.49%0pp | 572.31%-580.8pp | 1.58%-10.1pp |
| Employer contribution / active EE | $925 | $3,554-74.0% | $4,815-80.8% | $2,545-63.7% |
| Participant deferral / active EE | $3,554 | $6,783-47.6% | $7,448-52.3% | $4,238-16.2% |
| Admin fee / account holder | $253 | $685-63.0% | $10,007-97.5% | $594-57.3% |