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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,097 | $84,493-71.5% | $125,381-80.8% | $66,938-64.0% |
| Participation rate | 32.4% | 76.4%-44.0pp | 82.4%-50.0pp | 69.8%-37.4pp |
| Annual return | -1.80% | -8.49%+6.7pp | 572.31%-574.1pp | 1.58%-3.4pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,304 | $6,783-80.8% | $7,448-82.5% | $4,238-69.2% |
| Admin fee / account holder | $10 | $685-98.6% | $10,007-99.9% | $594-98.4% |