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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,772 | $82,972-55.7% | $103,374-64.4% | $77,671-52.7% |
| Participation rate | 65.0% | 71.5%-6.5pp | 74.5%-9.5pp | 70.6%-5.5pp |
| Annual return | 11.39% | 19.14%-7.8pp | 24.89%-13.5pp | 31.21%-19.8pp |
| Employer contribution / active EE | $3,762 | $3,554+5.8% | $3,869-2.8% | $2,726+38.0% |
| Participant deferral / active EE | $2,293 | $4,108-44.2% | $5,058-54.7% | $4,648-50.7% |
| Admin fee / account holder | $84 | $639-86.9% | $8,394-99.0% | $430-80.6% |