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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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $52,959 | $69,383-23.7% | $101,275-47.7% | $73,497-27.9% |
| Participation rate | 37.4% | 68.4%-31.0pp | 75.8%-38.4pp | 70.7%-33.3pp |
| Annual return | 29.17% | 18.46%+10.7pp | 46.48%-17.3pp | 28.51%+0.7pp |
| Employer contribution / active EE | $2,818 | $2,628+7.2% | $3,660-23.0% | $2,270+24.1% |
| Participant deferral / active EE | $2,850 | $3,301-13.6% | $4,371-34.8% | $3,740-23.8% |
| Admin fee / account holder | $411 | $704-41.6% | $5,948-93.1% | $513-19.9% |