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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,077 | $58,726-72.6% | $92,240-82.6% | $62,293-74.2% |
| Participation rate | 28.2% | 68.3%-40.1pp | 76.5%-48.2pp | 69.5%-41.3pp |
| Annual return | 0.00% | 43.62%-43.6pp | 176.29%-176.3pp | 28.90%-28.9pp |
| Employer contribution / active EE | $654 | $2,392-72.7% | $3,680-82.2% | $2,042-68.0% |
| Participant deferral / active EE | $1,218 | $2,766-56.0% | $3,897-68.7% | $3,169-61.6% |
| Admin fee / account holder | $92 | $556-83.4% | $5,194-98.2% | $479-80.8% |