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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 | $86,919-76.7% | $102,457-80.2% | $80,911-74.9% |
| Participation rate | 92.3% | 72.4%+19.9pp | 76.5%+15.8pp | 67.6%+24.7pp |
| Annual return | 14.99% | 18.90%-3.9pp | 29.41%-14.4pp | 35.63%-20.6pp |
| Employer contribution / active EE | $3,166 | $2,368+33.7% | $3,022+4.7% | $2,756+14.9% |
| Participant deferral / active EE | $11,343 | $4,119+175.4% | $5,054+124.4% | $4,297+164.0% |
| Admin fee / account holder | $37 | $8,049-99.5% | $9,451-99.6% | $6,935-99.5% |