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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $22,218 | $81,358-72.7% | $155,556-85.7% | $80,959-72.6% |
| Participation rate | 52.0% | 66.3%-14.3pp | 78.2%-26.2pp | 67.7%-15.7pp |
| Annual return | 9.21% | 33.39%-24.2pp | 64.84%-55.6pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,918 | $3,106-38.3% | $4,675-59.0% | $2,757-30.4% |
| Participant deferral / active EE | $7,223 | $3,455+109.0% | $5,631+28.3% | $4,300+68.0% |
| Admin fee / account holder | $127 | $7,994-98.4% | $15,885-99.2% | $6,925-98.2% |