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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,884 | $80,781-4.8% | $102,437-24.9% | $74,478+3.2% |
| Participation rate | 55.5% | 65.7%-10.2pp | 74.5%-19.0pp | 67.2%-11.7pp |
| Annual return | 10.77% | 27.58%-16.8pp | 24.95%-14.2pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $100 | $3,160-96.8% | $3,871-97.4% | $2,626-96.2% |
| Participant deferral / active EE | $3,283 | $3,862-15.0% | $5,060-35.1% | $4,350-24.5% |
| Admin fee / account holder | $45 | $2,372-98.1% | $8,388-99.5% | $1,946-97.7% |