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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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,674 | $63,314-56.3% | $91,004-69.6% | $62,293-55.6% |
| Participation rate | 58.2% | 73.3%-15.1pp | 75.6%-17.4pp | 69.5%-11.3pp |
| Annual return | 17.50% | 21.00%-3.5pp | 4.60%+12.9pp | 28.90%-11.4pp |
| Employer contribution / active EE | $245 | $1,807-86.4% | $2,456-90.0% | $2,042-88.0% |
| Participant deferral / active EE | $3,060 | $2,944+4.0% | $3,548-13.7% | $3,169-3.4% |
| Admin fee / account holder | $12 | $468-97.5% | $5,417-99.8% | $479-97.6% |