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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).
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 | $53,242 | $100,801-47.2% | $149,715-64.4% | $73,412-27.5% |
| Participation rate | 29.5% | 77.7%-48.2pp | 82.5%-53.0pp | 72.2%-42.7pp |
| Annual return | 67.23% | 265.34%-198.1pp | 276.66%-209.4pp | 59.30%+7.9pp |
| Employer contribution / active EE | $0 | $3,312-100.0% | $4,645-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,963 | $6,404-69.3% | $6,842-71.3% | $3,806-48.4% |
| Admin fee / account holder | $368 | $181+103.8% | $9,310-96.0% | $158+133.4% |