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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.
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 reported corrective distributions (failed ADP/ACP testing).
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 | $14,463 | $63,905-77.4% | $74,184-80.5% | $57,658-74.9% |
| Participation rate | 28.5% | 79.8%-51.2pp | 76.6%-48.1pp | 70.2%-41.7pp |
| Annual return | 9.67% | 60.60%-50.9pp | 17.74%-8.1pp | 5.13%+4.5pp |
| Employer contribution / active EE | $0 | $1,840-100.0% | $2,370-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,065 | $3,448-69.1% | $3,550-70.0% | $3,061-65.2% |
| Admin fee / account holder | $0 | $91-100.0% | $5,586-100.0% | $95-100.0% |