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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $28,985 | $73,102-60.3% | $123,552-76.5% | $56,287-48.5% |
| Participation rate | 44.2% | 74.3%-30.1pp | 82.3%-38.0pp | 69.9%-25.6pp |
| Annual return | -6.44% | 3.01%-9.4pp | 119.20%-125.6pp | -9.96%+3.5pp |
| Employer contribution / active EE | $790 | $2,977-73.5% | $4,628-82.9% | $2,111-62.6% |
| Participant deferral / active EE | $2,288 | $5,423-57.8% | $6,426-64.4% | $3,350-31.7% |
| Admin fee / account holder | $29 | $554-94.8% | $9,285-99.7% | $521-94.5% |