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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $29,068 | $58,895-50.6% | $178,503-83.7% | $73,497-60.4% |
| Participation rate | 21.9% | 66.2%-44.3pp | 81.9%-60.0pp | 70.7%-48.8pp |
| Annual return | 19.01% | 24.86%-5.9pp | 151.12%-132.1pp | 28.51%-9.5pp |
| Employer contribution / active EE | $385 | $2,236-82.8% | $5,011-92.3% | $2,270-83.0% |
| Participant deferral / active EE | $1,118 | $2,567-56.5% | $5,202-78.5% | $3,740-70.1% |
| Admin fee / account holder | $11 | $400-97.3% | $13,987-99.9% | $513-97.9% |