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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $8,508 | $63,471-86.6% | $68,808-87.6% | $66,938-87.3% |
| Participation rate | 63.6% | 60.0%+3.6pp | 69.0%-5.4pp | 69.8%-6.2pp |
| Annual return | -14.72% | -8.29%-6.4pp | -6.37%-8.4pp | 1.58%-16.3pp |
| Employer contribution / active EE | $316 | $1,776-82.2% | $2,656-88.1% | $2,545-87.6% |
| Participant deferral / active EE | $3,155 | $2,946+7.1% | $3,942-20.0% | $4,238-25.6% |
| Admin fee / account holder | $30 | $578-94.8% | $4,936-99.4% | $594-94.9% |