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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $73,848 | $78,419-5.8% | $133,978-44.9% | $73,412+0.6% |
| Participation rate | 22.6% | 78.6%-56.0pp | 79.8%-57.3pp | 72.2%-49.6pp |
| Annual return | 12.90% | 33.35%-20.4pp | 45.10%-32.2pp | 59.30%-46.4pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $3,919-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,497 | $3,925-61.9% | $5,047-70.3% | $3,806-60.7% |
| Admin fee / account holder | $38 | $161-76.4% | $8,930-99.6% | $158-75.9% |