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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,170 | $45,022-81.9% | $85,240-90.4% | $200,096-95.9% |
| Participation rate | 34.6% | 45.8%-11.3pp | 67.5%-33.0pp | 72.0%-37.5pp |
| Annual return | 11.60% | 21.00%-9.4pp | 66.75%-55.2pp | 34.26%-22.7pp |
| Employer contribution / active EE | $7,004 | $1,374+409.6% | $2,735+156.0% | $3,038+130.6% |
| Participant deferral / active EE | $421 | $2,682-84.3% | $4,527-90.7% | $5,090-91.7% |
| Admin fee / account holder | $1,394 | $585+138.3% | $6,165-77.4% | $269+417.5% |