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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.)
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 | $53,280 | $44,473+19.8% | $76,523-30.4% | $55,725-4.4% |
| Participation rate | 15.4% | 51.0%-35.6pp | 68.0%-52.6pp | 70.9%-55.4pp |
| Annual return | -7.61% | -2.01%-5.6pp | -0.27%-7.3pp | 244.93%-252.5pp |
| Employer contribution / active EE | $318 | $1,101-71.2% | $2,647-88.0% | $2,078-84.7% |
| Participant deferral / active EE | $499 | $1,988-74.9% | $3,835-87.0% | $3,356-85.1% |
| Admin fee / account holder | $431 | $134+221.2% | $4,848-91.1% | $115+274.0% |