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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $71,815 | $49,138+46.1% | $84,023-14.5% | $65,186+10.2% |
| Participation rate | 35.5% | 60.7%-25.2pp | 69.0%-33.5pp | 70.2%-34.7pp |
| Annual return | 16.19% | 23.00%-6.8pp | 71.32%-55.1pp | 29.39%-13.2pp |
| Employer contribution / active EE | $292 | $914-68.0% | $1,984-85.3% | $2,177-86.6% |
| Participant deferral / active EE | $1,757 | $2,397-26.7% | $3,239-45.8% | $3,514-50.0% |
| Admin fee / account holder | $744 | $543+36.9% | $6,102-87.8% | $847-12.2% |