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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,564 | $47,766-46.5% | $82,744-69.1% | $64,819-60.6% |
| Participation rate | 27.2% | 67.7%-40.5pp | 72.6%-45.3pp | 71.5%-44.2pp |
| Annual return | -16.48% | -13.06%-3.4pp | 702.22%-718.7pp | 32.84%-49.3pp |
| Employer contribution / active EE | $532 | $2,182-75.6% | $3,008-82.3% | $2,507-78.8% |
| Participant deferral / active EE | $892 | $3,332-73.2% | $4,395-79.7% | $4,311-79.3% |
| Admin fee / account holder | $18 | $143-87.5% | $5,325-99.7% | $188-90.5% |