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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.
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 | $43,774 | $52,884-17.2% | $84,753-48.4% | $55,167-20.7% |
| Participation rate | 33.9% | 67.5%-33.6pp | 76.6%-42.7pp | 69.0%-35.1pp |
| Annual return | 5.21% | 18.03%-12.8pp | 22.78%-17.6pp | 169.23%-164.0pp |
| Employer contribution / active EE | $343 | $2,233-84.7% | $3,574-90.4% | $1,963-82.5% |
| Participant deferral / active EE | $1,370 | $2,644-48.2% | $3,712-63.1% | $3,054-55.1% |
| Admin fee / account holder | $14 | $581-97.7% | $5,333-99.7% | $504-97.3% |