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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $16,682 | $25,723-35.1% | $69,182-75.9% | $55,167-69.8% |
| Participation rate | 15.7% | 39.4%-23.8pp | 55.1%-39.5pp | 69.0%-53.3pp |
| Annual return | 10.05% | 9.56%+0.5pp | -21.93%+32.0pp | 169.23%-159.2pp |
| Employer contribution / active EE | $117 | $480-75.7% | $1,206-90.3% | $1,963-94.1% |
| Participant deferral / active EE | $481 | $963-50.1% | $1,897-74.7% | $3,054-84.3% |
| Admin fee / account holder | $14 | $365-96.1% | $2,697-99.5% | $504-97.2% |