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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,146 | $61,391-80.2% | $149,723-91.9% | $71,529-83.0% |
| Participation rate | 25.2% | 62.5%-37.3pp | 78.8%-53.5pp | 67.9%-42.7pp |
| Annual return | 16.61% | 35.88%-19.3pp | 134.50%-117.9pp | 28.97%-12.4pp |
| Employer contribution / active EE | $324 | $2,384-86.4% | $4,821-93.3% | $2,590-87.5% |
| Participant deferral / active EE | $1,162 | $2,921-60.2% | $5,682-79.6% | $4,291-72.9% |
| Admin fee / account holder | $23 | $1,264-98.2% | $13,215-99.8% | $1,588-98.5% |