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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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $12,641 | $39,859-68.3% | $78,676-83.9% | $57,658-78.1% |
| Participation rate | 27.5% | 66.1%-38.6pp | 73.6%-46.1pp | 70.2%-42.7pp |
| Annual return | 6.70% | 18.96%-12.3pp | 62.19%-55.5pp | 5.13%+1.6pp |
| Employer contribution / active EE | $339 | $1,786-81.0% | $2,850-88.1% | $1,974-82.8% |
| Participant deferral / active EE | $520 | $2,248-76.9% | $3,517-85.2% | $3,061-83.0% |
| Admin fee / account holder | $85 | $76+12.2% | $4,510-98.1% | $95-9.6% |