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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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,581 | $53,546-29.8% | $69,884-46.2% | $68,486-45.1% |
| Participation rate | 62.5% | 64.5%-2.0pp | 70.5%-8.0pp | 67.9%-5.4pp |
| Annual return | -12.81% | -13.87%+1.1pp | 190.81%-203.6pp | -7.85%-5.0pp |
| Employer contribution / active EE | $367 | $2,019-81.8% | $2,560-85.6% | $2,597-85.8% |
| Participant deferral / active EE | $3,739 | $2,957+26.5% | $3,848-2.8% | $4,028-7.2% |
| Admin fee / account holder | $148 | $4,693-96.8% | $6,266-97.6% | $5,404-97.3% |