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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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $61,243 | $58,726+4.3% | $92,239-33.6% | $62,293-1.7% |
| Participation rate | 28.6% | 68.3%-39.8pp | 76.5%-47.9pp | 69.5%-40.9pp |
| Annual return | 15.78% | 43.62%-27.8pp | 176.29%-160.5pp | 28.90%-13.1pp |
| Employer contribution / active EE | $131 | $2,392-94.5% | $3,680-96.4% | $2,042-93.6% |
| Participant deferral / active EE | $2,049 | $2,766-25.9% | $3,897-47.4% | $3,169-35.4% |
| Admin fee / account holder | $349 | $556-37.3% | $5,194-93.3% | $479-27.2% |