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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.
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 | $79,682 | $52,884+50.7% | $84,753-6.0% | $55,167+44.4% |
| Participation rate | 44.5% | 67.5%-23.0pp | 76.6%-32.1pp | 69.0%-24.5pp |
| Annual return | 5.95% | 18.03%-12.1pp | 22.78%-16.8pp | 169.23%-163.3pp |
| Employer contribution / active EE | $363 | $2,233-83.8% | $3,574-89.9% | $1,963-81.5% |
| Participant deferral / active EE | $3,469 | $2,644+31.2% | $3,712-6.5% | $3,054+13.6% |
| Admin fee / account holder | $35 | $581-93.9% | $5,333-99.3% | $504-93.0% |