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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.)
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 | $58,829 | $69,383-15.2% | $101,275-41.9% | $73,497-20.0% |
| Participation rate | 57.1% | 68.4%-11.2pp | 75.8%-18.7pp | 70.7%-13.5pp |
| Annual return | 15.69% | 18.46%-2.8pp | 46.48%-30.8pp | 28.51%-12.8pp |
| Employer contribution / active EE | $1,109 | $2,628-57.8% | $3,660-69.7% | $2,270-51.2% |
| Participant deferral / active EE | $1,867 | $3,301-43.5% | $4,371-57.3% | $3,740-50.1% |
| Admin fee / account holder | $346 | $704-50.9% | $5,948-94.2% | $513-32.6% |