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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.
Annual investment return 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 that benefits due were not provided when due.
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 | $78,538 | $37,044+112.0% | $71,796+9.4% | $57,658+36.2% |
| Participation rate | 20.0% | 61.1%-41.1pp | 69.1%-49.1pp | 70.2%-50.2pp |
| Annual return | 1.69% | 12.64%-11.0pp | 78.04%-76.3pp | 5.13%-3.4pp |
| Employer contribution / active EE | $62 | $720-91.4% | $1,924-96.8% | $1,974-96.9% |
| Participant deferral / active EE | $1,471 | $1,974-25.5% | $2,794-47.4% | $3,061-51.9% |
| Admin fee / account holder | $17 | $101-83.6% | $4,815-99.7% | $95-82.4% |