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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.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $26,945 | $60,165-55.2% | $74,184-63.7% | $55,167-51.2% |
| Participation rate | 13.9% | 74.2%-60.2pp | 76.6%-62.7pp | 69.0%-55.1pp |
| Annual return | 1.48% | 10.00%-8.5pp | 17.74%-16.3pp | 169.23%-167.7pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $820 | $2,973-72.4% | $3,550-76.9% | $3,054-73.1% |
| Admin fee / account holder | $311 | $419-25.9% | $5,586-94.4% | $504-38.3% |