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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,843 | $42,901+4.5% | $91,225-50.8% | $64,819-30.8% |
| Participation rate | 49.1% | 68.1%-19.1pp | 73.2%-24.1pp | 71.5%-22.4pp |
| Annual return | -17.21% | -13.53%-3.7pp | 114.12%-131.3pp | 32.84%-50.1pp |
| Employer contribution / active EE | $1,833 | $1,571+16.7% | $2,851-35.7% | $2,507-26.9% |
| Participant deferral / active EE | $3,237 | $3,501-7.5% | $4,233-23.5% | $4,311-24.9% |
| Admin fee / account holder | $356 | $131+171.6% | $5,422-93.4% | $188+89.6% |