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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,251 | $49,471+15.7% | $79,583-28.1% | $66,949-14.5% |
| Participation rate | 38.8% | 61.4%-22.6pp | 69.5%-30.7pp | 69.8%-31.0pp |
| Annual return | -23.66% | 84.30%-108.0pp | 0.16%-23.8pp | 1.57%-25.2pp |
| Employer contribution / active EE | $1,345 | $1,266+6.3% | $2,414-44.3% | $2,545-47.1% |
| Participant deferral / active EE | $2,249 | $3,160-28.8% | $3,986-43.6% | $4,239-46.9% |
| Admin fee / account holder | $7 | $595-98.8% | $6,835-99.9% | $594-98.8% |