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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 | $110,378 | $56,918+93.9% | $182,558-39.5% | $65,186+69.3% |
| Participation rate | 45.2% | 66.5%-21.3pp | 78.0%-32.8pp | 70.2%-25.0pp |
| Annual return | 18.61% | 27.67%-9.1pp | 148.59%-130.0pp | 29.39%-10.8pp |
| Employer contribution / active EE | $1,572 | $1,615-2.6% | $4,076-61.4% | $2,177-27.8% |
| Participant deferral / active EE | $3,288 | $3,526-6.8% | $5,526-40.5% | $3,514-6.4% |
| Admin fee / account holder | $81 | $531-84.8% | $8,594-99.1% | $847-90.4% |