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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,887 | $38,969-5.3% | $109,313-66.3% | $55,167-33.1% |
| Participation rate | 45.2% | 58.2%-13.0pp | 71.3%-26.0pp | 69.0%-23.8pp |
| Annual return | 5.68% | 8.26%-2.6pp | 22.07%-16.4pp | 169.23%-163.6pp |
| Employer contribution / active EE | $217 | $1,227-82.3% | $3,892-94.4% | $1,963-88.9% |
| Participant deferral / active EE | $1,258 | $2,176-42.2% | $3,166-60.3% | $3,054-58.8% |
| Admin fee / account holder | $30 | $501-94.1% | $5,666-99.5% | $504-94.1% |