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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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,829 | $76,696-10.3% | $96,515-28.7% | $71,511-3.8% |
| Participation rate | 31.6% | 66.6%-35.0pp | 74.3%-42.8pp | 67.9%-36.4pp |
| Annual return | 3.84% | 48.32%-44.5pp | 35.73%-31.9pp | 28.86%-25.0pp |
| Employer contribution / active EE | $656 | $3,032-78.4% | $3,740-82.5% | $2,589-74.7% |
| Participant deferral / active EE | $2,767 | $3,770-26.6% | $4,880-43.3% | $4,291-35.5% |
| Admin fee / account holder | $367 | $2,030-81.9% | $6,735-94.6% | $1,588-76.9% |