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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,553 | $57,108-48.3% | $94,228-68.6% | $52,331-43.5% |
| Participation rate | 63.0% | 72.9%-9.9pp | 78.8%-15.8pp | 68.1%-5.1pp |
| Annual return | -2.88% | 1.47%-4.4pp | 10.68%-13.6pp | 4.54%-7.4pp |
| Employer contribution / active EE | $290 | $1,735-83.3% | $3,587-91.9% | $1,882-84.6% |
| Participant deferral / active EE | $2,259 | $3,040-25.7% | $4,320-47.7% | $3,022-25.3% |
| Admin fee / account holder | $5 | $546-99.0% | $6,269-99.9% | $592-99.1% |