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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.)
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 | $81,865 | $89,435-8.5% | $164,975-50.4% | $77,714+5.3% |
| Participation rate | 51.4% | 78.6%-27.2pp | 78.6%-27.2pp | 70.6%-19.2pp |
| Annual return | 15.56% | 28.82%-13.3pp | 70.12%-54.6pp | 31.26%-15.7pp |
| Employer contribution / active EE | $457 | $2,563-82.2% | $4,343-89.5% | $2,727-83.3% |
| Participant deferral / active EE | $3,875 | $4,901-20.9% | $6,033-35.8% | $4,649-16.6% |
| Admin fee / account holder | $315 | $340-7.2% | $12,688-97.5% | $433-27.2% |