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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $15,324 | $65,092-76.5% | $143,799-89.3% | $66,938-77.1% |
| Participation rate | 27.3% | 65.2%-37.9pp | 80.3%-53.0pp | 69.8%-42.5pp |
| Annual return | -19.57% | -11.14%-8.4pp | -0.04%-19.5pp | 1.58%-21.1pp |
| Employer contribution / active EE | $971 | $2,362-58.9% | $4,952-80.4% | $2,545-61.8% |
| Participant deferral / active EE | $1,836 | $2,920-37.1% | $5,638-67.4% | $4,238-56.7% |
| Admin fee / account holder | $40 | $502-92.0% | $14,677-99.7% | $594-93.2% |