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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 | $30,196 | $44,425-32.0% | $67,834-55.5% | $55,167-45.3% |
| Participation rate | 37.3% | 59.7%-22.4pp | 68.8%-31.5pp | 69.0%-31.7pp |
| Annual return | 5.14% | 17.80%-12.7pp | 138.47%-133.3pp | 169.23%-164.1pp |
| Employer contribution / active EE | $376 | $1,351-72.2% | $2,403-84.3% | $1,963-80.8% |
| Participant deferral / active EE | $1,332 | $2,166-38.5% | $3,160-57.8% | $3,054-56.4% |
| Admin fee / account holder | $48 | $530-91.0% | $4,622-99.0% | $504-90.6% |