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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,083 | $80,763-40.5% | $102,412-53.0% | $74,459-35.4% |
| Participation rate | 45.8% | 65.7%-19.9pp | 74.5%-28.7pp | 67.2%-21.4pp |
| Annual return | 10.16% | 27.57%-17.4pp | 24.94%-14.8pp | 1369.70%-1359.5pp |
| Employer contribution / active EE | $225 | $3,160-92.9% | $3,870-94.2% | $2,626-91.4% |
| Participant deferral / active EE | $1,736 | $3,862-55.1% | $5,060-65.7% | $4,350-60.1% |
| Admin fee / account holder | $381 | $2,371-83.9% | $8,388-95.5% | $1,945-80.4% |