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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $41,769 | $91,424-54.3% | $135,942-69.3% | $71,495-41.6% |
| Participation rate | 67.8% | 75.7%-7.8pp | 81.9%-14.1pp | 67.9%-0.1pp |
| Annual return | 16.91% | 29.90%-13.0pp | 68.28%-51.4pp | 28.85%-11.9pp |
| Employer contribution / active EE | $0 | $3,704-100.0% | $4,858-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $5,030 | $7,092-29.1% | $7,759-35.2% | $4,291+17.2% |
| Admin fee / account holder | $7 | $1,266-99.4% | $10,764-99.9% | $1,588-99.6% |