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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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 | $39,314 | $65,083-39.6% | $143,788-72.7% | $66,930-41.3% |
| Participation rate | 29.9% | 65.2%-35.3pp | 80.3%-50.4pp | 69.8%-39.9pp |
| Annual return | -20.54% | -11.13%-9.4pp | -0.03%-20.5pp | 1.57%-22.1pp |
| Employer contribution / active EE | $341 | $2,361-85.6% | $4,952-93.1% | $2,545-86.6% |
| Participant deferral / active EE | $1,253 | $2,920-57.1% | $5,638-77.8% | $4,238-70.4% |
| Admin fee / account holder | $14 | $502-97.3% | $14,675-99.9% | $593-97.7% |