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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.
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 | $43,142 | $35,986+19.9% | $77,513-44.3% | $73,493-41.3% |
| Participation rate | 13.5% | 40.8%-27.3pp | 54.2%-40.6pp | 70.7%-57.1pp |
| Annual return | 1.07% | 19.26%-18.2pp | 54.81%-53.7pp | 28.51%-27.4pp |
| Employer contribution / active EE | $151 | $557-72.9% | $987-84.7% | $2,270-93.3% |
| Participant deferral / active EE | $606 | $1,198-49.4% | $1,861-67.4% | $3,740-83.8% |
| Admin fee / account holder | $413 | $466-11.4% | $2,859-85.6% | $513-19.5% |