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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,652 | $54,573+56.9% | $90,970-5.8% | $73,497+16.5% |
| Participation rate | 23.3% | 61.2%-37.9pp | 69.0%-45.7pp | 70.7%-47.4pp |
| Annual return | 14.72% | 16.69%-2.0pp | 134.60%-119.9pp | 28.51%-13.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,359 | $2,517-6.3% | $3,373-30.1% | $3,740-36.9% |
| Admin fee / account holder | $362 | $521-30.7% | $5,961-93.9% | $513-29.5% |