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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,809 | $69,848-80.2% | $115,756-88.1% | $66,938-79.4% |
| Participation rate | 68.4% | 70.6%-2.2pp | 77.1%-8.7pp | 69.8%-1.4pp |
| Annual return | 7.49% | 969.66%-962.2pp | 143.14%-135.7pp | 1.58%+5.9pp |
| Employer contribution / active EE | $643 | $2,613-75.4% | $3,793-83.1% | $2,545-74.7% |
| Participant deferral / active EE | $2,876 | $4,274-32.7% | $6,254-54.0% | $4,238-32.2% |
| Admin fee / account holder | $152 | $337-55.0% | $8,124-98.1% | $594-74.4% |