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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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,570 | $60,989-43.3% | $60,899-43.2% | $66,930-48.3% |
| Participation rate | 24.5% | 74.5%-50.0pp | 73.1%-48.6pp | 69.8%-45.4pp |
| Annual return | -16.57% | -9.60%-7.0pp | 16.92%-33.5pp | 1.57%-18.1pp |
| Employer contribution / active EE | $573 | $2,661-78.5% | $2,702-78.8% | $2,545-77.5% |
| Participant deferral / active EE | $1,354 | $3,615-62.6% | $3,817-64.5% | $4,238-68.1% |
| Admin fee / account holder | $328 | $338-3.1% | $3,225-89.8% | $593-44.7% |