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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $48,757 | $54,320-10.2% | $67,652-27.9% | $52,331-6.8% |
| Participation rate | 62.9% | 73.6%-10.7pp | 75.7%-12.8pp | 68.1%-5.2pp |
| Annual return | -3.26% | 6.81%-10.1pp | 6625.40%-6628.7pp | 4.54%-7.8pp |
| Employer contribution / active EE | $1,161 | $1,544-24.8% | $2,266-48.8% | $1,882-38.3% |
| Participant deferral / active EE | $2,378 | $2,950-19.4% | $3,560-33.2% | $3,022-21.3% |
| Admin fee / account holder | $315 | $527-40.1% | $4,821-93.5% | $592-46.7% |