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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $27,148 | $58,888-53.9% | $178,499-84.8% | $73,493-63.1% |
| Participation rate | 26.3% | 66.2%-39.9pp | 81.9%-55.6pp | 70.7%-44.3pp |
| Annual return | 7.25% | 24.86%-17.6pp | 151.10%-143.9pp | 28.51%-21.3pp |
| Employer contribution / active EE | $391 | $2,236-82.5% | $5,011-92.2% | $2,270-82.8% |
| Participant deferral / active EE | $1,016 | $2,568-60.4% | $5,202-80.5% | $3,740-72.8% |
| Admin fee / account holder | $402 | $400+0.5% | $13,986-97.1% | $513-21.6% |