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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 | $38,594 | $49,451-22.0% | $79,580-51.5% | $66,938-42.3% |
| Participation rate | 21.6% | 61.3%-39.7pp | 69.5%-47.9pp | 69.8%-48.2pp |
| Annual return | -19.02% | 84.25%-103.3pp | 0.15%-19.2pp | 1.58%-20.6pp |
| Employer contribution / active EE | $476 | $1,266-62.4% | $2,413-80.3% | $2,545-81.3% |
| Participant deferral / active EE | $973 | $3,159-69.2% | $3,985-75.6% | $4,238-77.1% |
| Admin fee / account holder | $0 | $595-100.0% | $6,835-100.0% | $594-100.0% |