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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.
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 | $54,927 | $65,557-16.2% | $105,738-48.1% | $56,287-2.4% |
| Participation rate | 30.8% | 63.4%-32.6pp | 76.3%-45.6pp | 69.9%-39.1pp |
| Annual return | -7.16% | -1.32%-5.8pp | 6.27%-13.4pp | -9.96%+2.8pp |
| Employer contribution / active EE | $212 | $1,788-88.1% | $3,268-93.5% | $2,111-90.0% |
| Participant deferral / active EE | $1,291 | $2,418-46.6% | $4,080-68.4% | $3,350-61.5% |
| Admin fee / account holder | $565 | $561+0.6% | $6,913-91.8% | $521+8.4% |