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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $8,067 | $37,591-78.5% | $90,655-91.1% | $55,725-85.5% |
| Participation rate | 52.2% | 66.4%-14.2pp | 74.0%-21.9pp | 70.9%-18.7pp |
| Annual return | -8.44% | -3.20%-5.2pp | 1.89%-10.3pp | 244.93%-253.4pp |
| Employer contribution / active EE | $480 | $1,302-63.1% | $2,532-81.0% | $2,078-76.9% |
| Participant deferral / active EE | $856 | $2,643-67.6% | $3,425-75.0% | $3,356-74.5% |
| Admin fee / account holder | $67 | $100-32.5% | $4,994-98.6% | $115-41.4% |