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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 | $46,356 | $48,261-3.9% | $68,612-32.4% | $55,725-16.8% |
| Participation rate | 24.8% | 71.0%-46.2pp | 72.2%-47.4pp | 70.9%-46.0pp |
| Annual return | 10.42% | -2.61%+13.0pp | -4.63%+15.1pp | 244.93%-234.5pp |
| Employer contribution / active EE | $574 | $1,742-67.1% | $2,625-78.1% | $2,078-72.4% |
| Participant deferral / active EE | $1,085 | $2,712-60.0% | $3,311-67.2% | $3,356-67.7% |
| Admin fee / account holder | $431 | $126+241.8% | $5,131-91.6% | $115+274.4% |