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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.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $24,362 | $51,620-52.8% | $90,324-73.0% | $65,186-62.6% |
| Participation rate | 57.0% | 68.6%-11.6pp | 73.3%-16.2pp | 70.2%-13.2pp |
| Annual return | 22.41% | 24.94%-2.5pp | 78.15%-55.7pp | 29.39%-7.0pp |
| Employer contribution / active EE | $351 | $2,235-84.3% | $2,856-87.7% | $2,177-83.9% |
| Participant deferral / active EE | $1,256 | $2,871-56.2% | $3,885-67.7% | $3,514-64.2% |
| Admin fee / account holder | $6 | $384-98.4% | $5,356-99.9% | $847-99.3% |