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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,502 | $43,411-68.9% | $94,993-85.8% | $69,631-80.6% |
| Participation rate | 44.6% | 64.4%-19.8pp | 73.9%-29.3pp | 70.7%-26.1pp |
| Annual return | 19.47% | 22.54%-3.1pp | 27.14%-7.7pp | 27571.02%-27551.5pp |
| Employer contribution / active EE | $480 | $1,202-60.1% | $2,603-81.6% | $2,032-76.4% |
| Participant deferral / active EE | $835 | $2,384-65.0% | $3,317-74.8% | $3,224-74.1% |
| Admin fee / account holder | $95 | $87+8.8% | $4,960-98.1% | $110-14.0% |