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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,397 | $106,247-72.3% | $147,096-80.0% | $77,714-62.2% |
| Participation rate | 58.1% | 78.4%-20.3pp | 82.2%-24.1pp | 70.6%-12.5pp |
| Annual return | 17.11% | 56.87%-39.8pp | 419.75%-402.6pp | 31.26%-14.1pp |
| Employer contribution / active EE | $2,593 | $4,069-36.3% | $4,936-47.5% | $2,727-4.9% |
| Participant deferral / active EE | $4,456 | $7,996-44.3% | $8,071-44.8% | $4,649-4.2% |
| Admin fee / account holder | $28 | $338-91.8% | $13,005-99.8% | $433-93.6% |