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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $31,674 | $61,166-48.2% | $185,837-83.0% | $79,393-60.1% |
| Participation rate | 25.7% | 66.6%-40.9pp | 81.7%-56.0pp | 70.7%-45.0pp |
| Annual return | 21.73% | 19.45%+2.3pp | 122.08%-100.3pp | 116.87%-95.1pp |
| Employer contribution / active EE | $0 | $2,321-100.0% | $5,168-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,608 | $2,789-42.4% | $5,568-71.1% | $4,046-60.3% |
| Admin fee / account holder | $112 | $710-84.3% | $16,241-99.3% | $627-82.2% |