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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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,337 | $37,213-23.9% | $156,551-81.9% | $63,975-55.7% |
| Participation rate | 41.4% | 65.0%-23.5pp | 84.0%-42.6pp | 71.1%-29.7pp |
| Annual return | 6.02% | 47.89%-41.9pp | 32.23%-26.2pp | 48.65%-42.6pp |
| Employer contribution / active EE | $178 | $1,357-86.9% | $5,501-96.8% | $2,182-91.9% |
| Participant deferral / active EE | $1,281 | $2,070-38.1% | $4,871-73.7% | $3,356-61.8% |
| Admin fee / account holder | $136 | $56+141.5% | $13,028-99.0% | $70+93.1% |