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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $52,480 | $76,551-31.4% | $123,894-57.6% | $62,881-16.5% |
| Participation rate | 21.9% | 73.0%-51.1pp | 81.4%-59.5pp | 69.3%-47.4pp |
| Annual return | 6.48% | 18.68%-12.2pp | 47.52%-41.0pp | 20.14%-13.7pp |
| Employer contribution / active EE | $513 | $2,882-82.2% | $4,617-88.9% | $2,281-77.5% |
| Participant deferral / active EE | $1,105 | $4,840-77.2% | $5,984-81.5% | $3,203-65.5% |
| Admin fee / account holder | $538 | $4,826-88.8% | $8,357-93.6% | $4,296-87.5% |