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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 | $21,131 | $98,776-78.6% | $149,745-85.9% | $79,856-73.5% |
| Participation rate | 89.9% | 75.8%+14.1pp | 82.5%+7.4pp | 69.6%+20.2pp |
| Annual return | 25.65% | 27.38%-1.7pp | 276.72%-251.1pp | 31.71%-6.1pp |
| Employer contribution / active EE | $2,949 | $3,217-8.3% | $4,646-36.5% | $2,471+19.3% |
| Participant deferral / active EE | $6,775 | $5,681+19.2% | $6,843-1.0% | $3,741+81.1% |
| Admin fee / account holder | $23 | $6,053-99.6% | $9,312-99.8% | $5,306-99.6% |