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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.
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 | $24,203 | $50,919-52.5% | $155,556-84.4% | $77,762-68.9% |
| Participation rate | 23.7% | 63.1%-39.4pp | 78.2%-54.5pp | 70.6%-46.9pp |
| Annual return | 9.99% | 34.84%-24.8pp | 64.84%-54.8pp | 31.27%-21.3pp |
| Employer contribution / active EE | $489 | $1,991-75.4% | $4,675-89.5% | $2,728-82.1% |
| Participant deferral / active EE | $722 | $2,824-74.4% | $5,631-87.2% | $4,651-84.5% |
| Admin fee / account holder | $63 | $437-85.5% | $15,885-99.6% | $433-85.4% |