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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 | $31,768 | $61,172-48.1% | $185,851-82.9% | $79,389-60.0% |
| Participation rate | 47.1% | 66.6%-19.6pp | 81.7%-34.6pp | 70.7%-23.7pp |
| Annual return | 14.66% | 19.45%-4.8pp | 122.11%-107.4pp | 116.89%-102.2pp |
| Employer contribution / active EE | $439 | $2,321-81.1% | $5,168-91.5% | $2,428-81.9% |
| Participant deferral / active EE | $1,033 | $2,788-62.9% | $5,569-81.4% | $4,046-74.5% |
| Admin fee / account holder | $8 | $710-98.9% | $16,245-100.0% | $626-98.8% |