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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 | $8,915 | $57,352-84.5% | $83,830-89.4% | $64,173-86.1% |
| Participation rate | 57.1% | 68.6%-11.5pp | 76.1%-19.0pp | 69.6%-12.4pp |
| Annual return | -7.82% | 11.38%-19.2pp | 850.97%-858.8pp | 7.63%-15.5pp |
| Employer contribution / active EE | $4,020 | $2,546+57.9% | $3,631+10.7% | $2,381+68.9% |
| Participant deferral / active EE | $2,270 | $2,993-24.2% | $4,082-44.4% | $3,470-34.6% |
| Admin fee / account holder | $0 | $4,046-100.0% | $5,479-100.0% | $4,887-100.0% |