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Annual investment return is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,477 | $81,446-90.8% | $103,374-92.8% | $80,874-90.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 6.56% | 25.57%-19.0pp | 24.89%-18.3pp | 35.62%-29.1pp |
| Employer contribution / active EE | $3,917 | $3,107+26.1% | $3,869+1.2% | $2,756+42.1% |
| Participant deferral / active EE | $1,830 | $3,870-52.7% | $5,058-63.8% | $4,297-57.4% |
| Admin fee / account holder | $59 | $6,715-99.1% | $8,394-99.3% | $6,935-99.1% |