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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 | $21,475 | $47,180-54.5% | $149,723-85.7% | $74,473-71.2% |
| Participation rate | 25.7% | 63.4%-37.7pp | 78.8%-53.0pp | 70.7%-45.0pp |
| Annual return | 13.30% | 22.75%-9.4pp | 134.50%-121.2pp | 34.36%-21.1pp |
| Employer contribution / active EE | $519 | $1,907-72.8% | $4,821-89.2% | $2,638-80.3% |
| Participant deferral / active EE | $777 | $2,730-71.5% | $5,682-86.3% | $4,530-82.8% |
| Admin fee / account holder | $57 | $343-83.2% | $13,215-99.6% | $347-83.4% |