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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 | $62,917 | $51,466+22.3% | $78,778-20.1% | $62,293+1.0% |
| Participation rate | 36.3% | 59.8%-23.5pp | 69.2%-32.9pp | 69.5%-33.2pp |
| Annual return | 14.31% | 19.96%-5.6pp | 35.62%-21.3pp | 28.90%-14.6pp |
| Employer contribution / active EE | $267 | $827-67.7% | $1,986-86.6% | $2,042-86.9% |
| Participant deferral / active EE | $1,706 | $2,147-20.6% | $2,958-42.3% | $3,169-46.2% |
| Admin fee / account holder | $750 | $489+53.3% | $5,134-85.4% | $479+56.5% |