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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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,822 | $64,176-28.6% | $112,263-59.2% | $66,949-31.6% |
| Participation rate | 50.9% | 68.4%-17.6pp | 75.1%-24.2pp | 69.8%-18.9pp |
| Annual return | -18.24% | -13.80%-4.4pp | 27.49%-45.7pp | 1.57%-19.8pp |
| Employer contribution / active EE | $188 | $3,007-93.8% | $3,636-94.8% | $2,545-92.6% |
| Participant deferral / active EE | $2,305 | $3,694-37.6% | $4,729-51.3% | $4,239-45.6% |
| Admin fee / account holder | $0 | $626-100.0% | $6,410-100.0% | $594-100.0% |