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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $4,939 | $41,281-88.0% | $109,313-95.5% | $57,658-91.4% |
| Participation rate | 8.3% | 59.3%-51.0pp | 71.3%-62.9pp | 70.2%-61.9pp |
| Annual return | -8.84% | 8.97%-17.8pp | 22.07%-30.9pp | 5.13%-14.0pp |
| Employer contribution / active EE | $0 | $1,201-100.0% | $3,892-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $248 | $2,223-88.9% | $3,166-92.2% | $3,061-91.9% |
| Admin fee / account holder | $96 | $75+27.2% | $5,666-98.3% | $95+1.3% |