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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $9,471 | $55,446-82.9% | $155,574-93.9% | $74,429-87.3% |
| Participation rate | 54.5% | 61.9%-7.4pp | 78.2%-23.7pp | 67.2%-12.7pp |
| Annual return | 15.34% | 269.20%-253.9pp | 64.87%-49.5pp | 1368.38%-1353.0pp |
| Employer contribution / active EE | $1,188 | $2,266-47.6% | $4,676-74.6% | $2,625-54.7% |
| Participant deferral / active EE | $1,679 | $2,836-40.8% | $5,629-70.2% | $4,348-61.4% |
| Admin fee / account holder | $64 | $1,743-96.3% | $15,914-99.6% | $1,944-96.7% |