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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,410 | $74,706-74.0% | $75,714-74.4% | $79,391-75.6% |
| Participation rate | 53.3% | 75.3%-22.1pp | 74.8%-21.5pp | 70.7%-17.4pp |
| Annual return | 14.49% | 18.52%-4.0pp | 104.62%-90.1pp | 116.88%-102.4pp |
| Employer contribution / active EE | $898 | $2,590-65.3% | $2,744-67.3% | $2,428-63.0% |
| Participant deferral / active EE | $2,229 | $3,533-36.9% | $3,820-41.6% | $4,046-44.9% |
| Admin fee / account holder | $128 | $374-65.9% | $3,619-96.5% | $627-79.6% |