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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,288 | $42,546-54.7% | $71,796-73.1% | $55,167-65.0% |
| Participation rate | 41.1% | 59.1%-18.1pp | 69.1%-28.0pp | 69.0%-27.9pp |
| Annual return | 4.61% | 12.36%-7.8pp | 78.04%-73.4pp | 169.23%-164.6pp |
| Employer contribution / active EE | $848 | $803+5.5% | $1,924-56.0% | $1,963-56.8% |
| Participant deferral / active EE | $2,082 | $2,064+0.9% | $2,794-25.5% | $3,054-31.8% |
| Admin fee / account holder | $6 | $650-99.1% | $4,815-99.9% | $504-98.9% |