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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 | $78,562+100.0% | $105,608+48.8% | $74,429+111.1% |
| Participation rate | 47.8% | 72.8%-25.0pp | 75.3%-27.5pp | 67.2%-19.4pp |
| Annual return | 11.70% | 15.94%-4.2pp | 116.50%-104.8pp | 1368.38%-1356.7pp |
| Employer contribution / active EE | $2,789 | $2,521+10.6% | $3,167-11.9% | $2,625+6.3% |
| Participant deferral / active EE | $5,209 | $4,321+20.5% | $5,010+4.0% | $4,348+19.8% |
| Admin fee / account holder | $51 | $2,217-97.7% | $11,028-99.5% | $1,944-97.4% |