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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,391 | $80,731-57.4% | $103,378-66.7% | $74,400-53.8% |
| Participation rate | 53.0% | 65.7%-12.6pp | 74.5%-21.5pp | 67.2%-14.2pp |
| Annual return | 10.30% | 27.56%-17.3pp | 24.91%-14.6pp | 1367.51%-1357.2pp |
| Employer contribution / active EE | $9,891 | $3,159+213.1% | $3,870+155.6% | $2,624+276.9% |
| Participant deferral / active EE | $762 | $3,862-80.3% | $5,058-84.9% | $4,348-82.5% |
| Admin fee / account holder | $52 | $2,369-97.8% | $8,401-99.4% | $1,944-97.3% |