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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
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 | $119,399 | $118,337+0.9% | $189,537-37.0% | $93,010+28.4% |
| Participation rate | 64.5% | 89.1%-24.6pp | 87.8%-23.3pp | 73.9%-9.4pp |
| Annual return | 0.00% | 21.77%-21.8pp | 555.34%-555.3pp | 158.70%-158.7pp |
| Employer contribution / active EE | $7,019 | $4,204+67.0% | $6,161+13.9% | $2,705+159.5% |
| Participant deferral / active EE | $813 | $7,123-88.6% | $8,220-90.1% | $4,561-82.2% |
| Admin fee / account holder | $0 | $100-99.7% | $12,048-100.0% | $152-99.8% |