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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 | $44,898-81.8% | $85,126-90.4% | $199,921-95.9% |
| Participation rate | 34.6% | 45.7%-11.2pp | 67.5%-33.0pp | 72.0%-37.5pp |
| Annual return | 11.60% | 20.98%-9.4pp | 66.63%-55.0pp | 34.28%-22.7pp |
| Employer contribution / active EE | $7,004 | $1,367+412.2% | $2,731+156.4% | $3,035+130.7% |
| Participant deferral / active EE | $421 | $2,670-84.2% | $4,523-90.7% | $5,089-91.7% |
| Admin fee / account holder | $1,394 | $585+138.0% | $6,160-77.4% | $269+417.7% |