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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.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $7,582 | $32,425-76.6% | $74,577-89.8% | $55,167-86.3% |
| Participation rate | 62.7% | 54.0%+8.7pp | 68.1%-5.4pp | 69.0%-6.3pp |
| Annual return | 5.74% | 10.63%-4.9pp | 20.47%-14.7pp | 169.23%-163.5pp |
| Employer contribution / active EE | $773 | $1,043-25.9% | $2,525-69.4% | $1,963-60.6% |
| Participant deferral / active EE | $1,412 | $1,995-29.2% | $3,458-59.2% | $3,054-53.8% |
| Admin fee / account holder | $32 | $748-95.7% | $4,138-99.2% | $504-93.7% |