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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.
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 | $20,295 | $55,453-63.4% | $170,435-88.1% | $62,293-67.4% |
| Participation rate | 15.2% | 66.4%-51.2pp | 83.6%-68.4pp | 69.5%-54.3pp |
| Annual return | 18.60% | 21.38%-2.8pp | 205.94%-187.3pp | 28.90%-10.3pp |
| Employer contribution / active EE | $207 | $2,164-90.4% | $5,432-96.2% | $2,042-89.9% |
| Participant deferral / active EE | $895 | $2,303-61.1% | $4,939-81.9% | $3,169-71.7% |
| Admin fee / account holder | $35 | $455-92.3% | $13,881-99.7% | $479-92.7% |