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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.
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 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 | $74,124 | $60,128+23.3% | $90,440-18.0% | $79,852-7.2% |
| Participation rate | 37.3% | 65.0%-27.6pp | 72.7%-35.3pp | 69.6%-32.3pp |
| Annual return | 8.34% | 71.95%-63.6pp | 1294.38%-1286.0pp | 31.72%-23.4pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $3,263-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,471 | $2,939-49.9% | $3,964-62.9% | $3,740-60.7% |
| Admin fee / account holder | $17 | $3,977-99.6% | $5,615-99.7% | $5,306-99.7% |