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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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $44,242 | $91,517-51.7% | $101,271-56.3% | $73,412-39.7% |
| Participation rate | 46.8% | 73.8%-26.9pp | 75.8%-29.0pp | 72.2%-25.3pp |
| Annual return | 13.88% | 17.17%-3.3pp | 46.48%-32.6pp | 59.30%-45.4pp |
| Employer contribution / active EE | $419 | $2,877-85.5% | $3,660-88.6% | $2,234-81.3% |
| Participant deferral / active EE | $1,780 | $3,338-46.7% | $4,371-59.3% | $3,806-53.2% |
| Admin fee / account holder | $33 | $216-84.9% | $5,948-99.5% | $158-79.3% |