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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,318 | $43,133-80.7% | $89,414-90.7% | $73,493-88.7% |
| Participation rate | 40.0% | 55.0%-15.0pp | 68.0%-28.0pp | 70.7%-30.7pp |
| Annual return | 0.00% | 135.66%-135.7pp | 245.50%-245.5pp | 28.51%-28.5pp |
| Employer contribution / active EE | $936 | $1,438-34.9% | $2,586-63.8% | $2,270-58.8% |
| Participant deferral / active EE | $1,906 | $2,445-22.0% | $3,890-51.0% | $3,740-49.0% |
| Admin fee / account holder | $13 | $444-97.2% | $4,883-99.7% | $513-97.6% |