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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $742,101 | $93,182+696.4% | $146,643+406.1% | $79,391+834.7% |
| Participation rate | 0.0% | 76.4%-76.4pp | 80.1%-80.1pp | 70.7%-70.7pp |
| Annual return | 18.73% | 21.61%-2.9pp | 22.75%-4.0pp | 116.88%-98.2pp |
| Employer contribution / active EE | $1,745 | $2,420-27.9% | $4,137-57.8% | $2,428-28.1% |
| Participant deferral / active EE | $2,173 | $4,169-47.9% | $5,506-60.5% | $4,046-46.3% |
| Admin fee / account holder | $563 | $585-3.9% | $10,280-94.5% | $627-10.2% |