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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).
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 | $31,168 | $31,679-1.6% | $74,722-58.3% | $65,185-52.2% |
| Participation rate | 23.4% | 40.4%-16.9pp | 54.5%-31.0pp | 70.2%-46.8pp |
| Annual return | 22.63% | 39.04%-16.4pp | 753.11%-730.5pp | 29.38%-6.8pp |
| Employer contribution / active EE | $291 | $566-48.5% | $1,084-73.1% | $2,177-86.6% |
| Participant deferral / active EE | $678 | $1,191-43.1% | $1,963-65.5% | $3,514-80.7% |
| Admin fee / account holder | $382 | $379+0.8% | $3,335-88.5% | $847-54.9% |