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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $73,999 | $54,573+35.6% | $90,970-18.7% | $73,493+0.7% |
| Participation rate | 66.2% | 61.2%+5.1pp | 69.0%-2.8pp | 70.7%-4.5pp |
| Annual return | 22.48% | 16.69%+5.8pp | 134.58%-112.1pp | 28.51%-6.0pp |
| Employer contribution / active EE | $666 | $991-32.8% | $2,122-68.6% | $2,270-70.7% |
| Participant deferral / active EE | $3,907 | $2,517+55.2% | $3,373+15.8% | $3,740+4.5% |
| Admin fee / account holder | $323 | $521-38.1% | $5,960-94.6% | $513-37.1% |