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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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $36,381 | $70,667-48.5% | $123,105-70.4% | $52,331-30.5% |
| Participation rate | 61.5% | 83.7%-22.2pp | 86.8%-25.2pp | 68.1%-6.6pp |
| Annual return | -9.97% | 6.23%-16.2pp | 13.22%-23.2pp | 4.54%-14.5pp |
| Employer contribution / active EE | $818 | $2,946-72.2% | $5,151-84.1% | $1,882-56.6% |
| Participant deferral / active EE | $3,119 | $4,493-30.6% | $6,229-49.9% | $3,022+3.2% |
| Admin fee / account holder | $109 | $506-78.5% | $9,014-98.8% | $592-81.6% |