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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $157,150 | $78,483+100.2% | $106,201+48.0% | $74,546+110.8% |
| Participation rate | 47.8% | 72.8%-25.0pp | 75.3%-27.5pp | 67.2%-19.4pp |
| Annual return | 11.70% | 15.94%-4.2pp | 116.26%-104.6pp | 1366.03%-1354.3pp |
| Employer contribution / active EE | $2,789 | $2,522+10.6% | $3,170-12.0% | $2,624+6.3% |
| Participant deferral / active EE | $5,209 | $4,320+20.6% | $5,012+3.9% | $4,347+19.8% |
| Admin fee / account holder | $51 | $2,236-97.7% | $11,039-99.5% | $1,944-97.4% |