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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).
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 | $9,842 | $29,546-66.7% | $56,441-82.6% | $77,671-87.3% |
| Participation rate | 14.8% | 32.7%-17.8pp | 52.5%-37.7pp | 70.6%-55.7pp |
| Annual return | -6.55% | 19.01%-25.6pp | 1704.21%-1710.8pp | 31.21%-37.8pp |
| Employer contribution / active EE | $0 | $568-100.0% | $1,039-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $75 | $1,061-93.0% | $1,953-96.2% | $4,648-98.4% |
| Admin fee / account holder | $49 | $1,046-95.3% | $2,829-98.3% | $430-88.5% |