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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 appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,698 | $60,454+31.8% | $81,844-2.6% | $74,459+7.0% |
| Participation rate | 41.4% | 63.0%-21.6pp | 72.4%-31.0pp | 67.2%-25.9pp |
| Annual return | 17.40% | 16.87%+0.5pp | 778.87%-761.5pp | 1369.70%-1352.3pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $2,916-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $0 | $3,398-100.0% | $4,323-100.0% | $4,350-100.0% |
| Admin fee / account holder | $44 | $1,490-97.0% | $7,355-99.4% | $1,945-97.7% |