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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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,630 | $62,686-84.6% | $178,540-94.6% | $77,736-87.6% |
| Participation rate | 57.4% | 66.9%-9.5pp | 77.1%-19.7pp | 70.6%-13.2pp |
| Annual return | 16.59% | 16.16%+0.4pp | 27.15%-10.6pp | 31.26%-14.7pp |
| Employer contribution / active EE | $273 | $1,914-85.7% | $3,953-93.1% | $2,728-90.0% |
| Participant deferral / active EE | $2,177 | $4,224-48.5% | $6,281-65.3% | $4,651-53.2% |
| Admin fee / account holder | $6 | $386-98.3% | $10,424-99.9% | $433-98.5% |