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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 | $23,984 | $82,188-70.8% | $125,391-80.9% | $64,824-63.0% |
| Participation rate | 98.8% | 77.9%+20.9pp | 82.4%+16.4pp | 71.5%+27.3pp |
| Annual return | 20.49% | 3.50%+17.0pp | 572.41%-551.9pp | 32.84%-12.4pp |
| Employer contribution / active EE | $5,407 | $3,617+49.5% | $4,816+12.3% | $2,507+115.7% |
| Participant deferral / active EE | $6,952 | $7,177-3.1% | $7,448-6.7% | $4,311+61.2% |
| Admin fee / account holder | $13 | $163-92.1% | $10,009-99.9% | $188-93.1% |