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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
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 | $6,778 | $160,059-95.8% | $140,019-95.2% | $135,380-95.0% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.5%-37.5pp | 82.6%-32.6pp |
| Annual return | -6.17% | 911.48%-917.6pp | 651.17%-657.3pp | 519.81%-526.0pp |
| Employer contribution / active EE | $1,062 | $6,420-83.5% | $5,605-81.1% | $4,779-77.8% |
| Participant deferral / active EE | $6,698 | $7,641-12.3% | $6,927-3.3% | $5,609+19.4% |
| Admin fee / account holder | $7 | $13,328-99.9% | $10,705-99.9% | $10,828-99.9% |