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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 | $78,607+99.9% | $105,624+48.8% | $74,478+111.0% |
| Participation rate | 47.8% | 72.8%-25.0pp | 75.3%-27.5pp | 67.2%-19.4pp |
| Annual return | 11.70% | 15.96%-4.3pp | 116.20%-104.5pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $2,789 | $2,523+10.5% | $3,168-12.0% | $2,626+6.2% |
| Participant deferral / active EE | $5,209 | $4,325+20.4% | $5,013+3.9% | $4,350+19.7% |
| Admin fee / account holder | $51 | $2,220-97.7% | $10,961-99.5% | $1,946-97.4% |