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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,530 | $26,549-67.9% | $61,399-86.1% | $66,930-87.3% |
| Participation rate | 16.5% | 38.1%-21.6pp | 52.6%-36.1pp | 69.8%-53.3pp |
| Annual return | -9.28% | -16.21%+6.9pp | 338.81%-348.1pp | 1.57%-10.9pp |
| Employer contribution / active EE | $316 | $651-51.5% | $1,159-72.7% | $2,545-87.6% |
| Participant deferral / active EE | $353 | $1,338-73.6% | $2,124-83.4% | $4,238-91.7% |
| Admin fee / account holder | $35 | $409-91.5% | $2,131-98.4% | $593-94.2% |