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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $16,946 | $62,583-72.9% | $76,767-77.9% | $64,173-73.6% |
| Participation rate | 69.8% | 72.8%-3.0pp | 77.0%-7.2pp | 69.6%+0.2pp |
| Annual return | -6.02% | -1.95%-4.1pp | 2.43%-8.4pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,236 | $1,832-32.5% | $2,485-50.3% | $2,381-48.1% |
| Participant deferral / active EE | $1,786 | $3,145-43.2% | $3,852-53.6% | $3,470-48.5% |
| Admin fee / account holder | $11 | $4,667-99.8% | $6,675-99.8% | $4,887-99.8% |