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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 | $72,061 | $79,223-9.0% | $102,460-29.7% | $74,478-3.2% |
| Participation rate | 33.8% | 74.8%-40.9pp | 76.5%-42.7pp | 67.2%-33.4pp |
| Annual return | 16.35% | 54.98%-38.6pp | 29.47%-13.1pp | 1370.56%-1354.2pp |
| Employer contribution / active EE | $0 | $2,363-100.0% | $3,025-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,277 | $4,417-48.5% | $5,056-55.0% | $4,350-47.7% |
| Admin fee / account holder | $340 | $2,003-83.0% | $9,460-96.4% | $1,946-82.5% |