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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.
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 | $22,844 | $32,117-28.9% | $71,086-67.9% | $64,173-64.4% |
| Participation rate | 63.7% | 42.7%+21.0pp | 54.7%+9.1pp | 69.6%-5.8pp |
| Annual return | -3.72% | -5.57%+1.9pp | 650.59%-654.3pp | 7.63%-11.4pp |
| Employer contribution / active EE | $533 | $712-25.2% | $1,088-51.0% | $2,381-77.6% |
| Participant deferral / active EE | $1,257 | $1,263-0.5% | $1,874-33.0% | $3,470-63.8% |
| Admin fee / account holder | $103 | $2,759-96.2% | $3,082-96.6% | $4,887-97.9% |