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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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,396 | $45,602-77.2% | $117,533-91.2% | $66,938-84.5% |
| Participation rate | 56.2% | 57.6%-1.4pp | 70.6%-14.4pp | 69.8%-13.6pp |
| Annual return | -47.88% | -16.74%-31.1pp | 29.77%-77.6pp | 1.58%-49.5pp |
| Employer contribution / active EE | $1,279 | $1,579-19.0% | $4,179-69.4% | $2,545-49.8% |
| Participant deferral / active EE | $1,690 | $2,845-40.6% | $4,072-58.5% | $4,238-60.1% |
| Admin fee / account holder | $31 | $661-95.2% | $5,647-99.4% | $594-94.7% |