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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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.
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 | $5,623 | $42,546-86.8% | $71,796-92.2% | $55,167-89.8% |
| Participation rate | 48.1% | 59.1%-11.0pp | 69.1%-21.0pp | 69.0%-20.9pp |
| Annual return | 2.74% | 12.36%-9.6pp | 78.04%-75.3pp | 169.23%-166.5pp |
| Employer contribution / active EE | $325 | $803-59.5% | $1,924-83.1% | $1,963-83.4% |
| Participant deferral / active EE | $1,345 | $2,064-34.8% | $2,794-51.9% | $3,054-56.0% |
| Admin fee / account holder | $3 | $650-99.6% | $4,815-99.9% | $504-99.5% |