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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,081 | $85,171-62.3% | $172,753-81.4% | $72,976-56.0% |
| Participation rate | 56.7% | 70.1%-13.3pp | 82.6%-25.9pp | 69.5%-12.8pp |
| Annual return | 12.34% | 27.32%-15.0pp | 803.00%-790.7pp | 81.02%-68.7pp |
| Employer contribution / active EE | $1,575 | $3,324-52.6% | $5,144-69.4% | $2,440-35.4% |
| Participant deferral / active EE | $2,595 | $3,260-20.4% | $5,198-50.1% | $3,608-28.1% |
| Admin fee / account holder | $10 | $5,880-99.8% | $13,956-99.9% | $5,124-99.8% |