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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
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 | $29,462 | $65,034-54.7% | $90,970-67.6% | $79,856-63.1% |
| Participation rate | 34.2% | 61.6%-27.4pp | 69.0%-34.8pp | 69.6%-35.4pp |
| Annual return | 7.24% | 30.45%-23.2pp | 134.60%-127.4pp | 31.71%-24.5pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $678 | $2,512-73.0% | $3,373-79.9% | $3,741-81.9% |
| Admin fee / account holder | $309 | $4,536-93.2% | $5,961-94.8% | $5,306-94.2% |