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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $6,534 | $73,848-91.2% | $143,799-95.5% | $68,486-90.5% |
| Participation rate | 41.7% | 66.7%-25.0pp | 80.3%-38.6pp | 67.9%-26.2pp |
| Annual return | -18.32% | 0.91%-19.2pp | -0.04%-18.3pp | -7.85%-10.5pp |
| Employer contribution / active EE | $722 | $3,184-77.3% | $4,952-85.4% | $2,597-72.2% |
| Participant deferral / active EE | $1,454 | $3,385-57.0% | $5,638-74.2% | $4,028-63.9% |
| Admin fee / account holder | $47 | $5,755-99.2% | $14,677-99.7% | $5,404-99.1% |