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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,205 | $72,303-76.2% | $86,698-80.2% | $64,819-73.5% |
| Participation rate | 97.5% | 80.4%+17.0pp | 76.6%+20.9pp | 71.5%+26.0pp |
| Annual return | -5.09% | 392.77%-397.9pp | 35.95%-41.0pp | 32.84%-37.9pp |
| Employer contribution / active EE | $3,105 | $2,393+29.7% | $2,837+9.4% | $2,507+23.8% |
| Participant deferral / active EE | $8,164 | $4,660+75.2% | $4,656+75.3% | $4,311+89.4% |
| Admin fee / account holder | $1 | $174-99.2% | $7,493-100.0% | $188-99.3% |