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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,282 | $86,940-76.7% | $102,434-80.2% | $80,935-74.9% |
| Participation rate | 92.3% | 72.4%+19.9pp | 76.5%+15.8pp | 67.7%+24.6pp |
| Annual return | 14.99% | 18.89%-3.9pp | 29.46%-14.5pp | 35.66%-20.7pp |
| Employer contribution / active EE | $3,166 | $2,370+33.6% | $3,023+4.7% | $2,757+14.8% |
| Participant deferral / active EE | $11,343 | $4,121+175.2% | $5,055+124.4% | $4,299+163.8% |
| Admin fee / account holder | $37 | $8,047-99.5% | $9,462-99.6% | $6,924-99.5% |