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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 | $104,843 | $72,027+45.6% | $185,861-43.6% | $79,856+31.3% |
| Participation rate | 43.0% | 65.8%-22.7pp | 78.0%-35.0pp | 69.6%-26.6pp |
| Annual return | 10.64% | 23.13%-12.5pp | 35.96%-25.3pp | 31.71%-21.1pp |
| Employer contribution / active EE | $1,596 | $1,965-18.8% | $4,088-61.0% | $2,471-35.4% |
| Participant deferral / active EE | $3,293 | $3,780-12.9% | $5,634-41.6% | $3,741-12.0% |
| Admin fee / account holder | $43 | $4,513-99.1% | $9,503-99.6% | $5,306-99.2% |