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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.
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).
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 | $28,198 | $51,226-45.0% | $82,744-65.9% | $66,938-57.9% |
| Participation rate | 13.5% | 67.9%-54.4pp | 72.6%-59.0pp | 69.8%-56.3pp |
| Annual return | -19.85% | -9.61%-10.2pp | 702.22%-722.1pp | 1.58%-21.4pp |
| Employer contribution / active EE | $0 | $2,612-100.0% | $3,008-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $593 | $3,460-82.9% | $4,395-86.5% | $4,238-86.0% |
| Admin fee / account holder | $32 | $416-92.3% | $5,325-99.4% | $594-94.6% |