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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,881 | $46,732-18.9% | $156,551-75.8% | $55,167-31.3% |
| Participation rate | 50.0% | 65.8%-15.8pp | 84.0%-34.0pp | 69.0%-19.0pp |
| Annual return | 3.87% | 17.72%-13.8pp | 32.23%-28.4pp | 169.23%-165.4pp |
| Employer contribution / active EE | $2 | $2,105-99.9% | $5,501-100.0% | $1,963-99.9% |
| Participant deferral / active EE | $886 | $2,204-59.8% | $4,871-81.8% | $3,054-71.0% |
| Admin fee / account holder | $470 | $418+12.3% | $13,028-96.4% | $504-6.8% |