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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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,938 | $45,283-80.3% | $155,789-94.3% | $52,331-82.9% |
| Participation rate | 30.6% | 62.2%-31.6pp | 76.1%-45.5pp | 68.1%-37.5pp |
| Annual return | -2.67% | 1.80%-4.5pp | 71.54%-74.2pp | 4.54%-7.2pp |
| Employer contribution / active EE | $835 | $1,329-37.2% | $3,839-78.3% | $1,882-55.6% |
| Participant deferral / active EE | $1,591 | $2,854-44.3% | $4,798-66.8% | $3,022-47.3% |
| Admin fee / account holder | $6 | $981-99.4% | $7,477-99.9% | $592-98.9% |