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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.
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 | $36,208 | $51,226-29.3% | $82,744-56.2% | $66,938-45.9% |
| Participation rate | 37.4% | 67.9%-30.5pp | 72.6%-35.1pp | 69.8%-32.4pp |
| Annual return | -16.50% | -9.61%-6.9pp | 702.22%-718.7pp | 1.58%-18.1pp |
| Employer contribution / active EE | $121 | $2,612-95.4% | $3,008-96.0% | $2,545-95.2% |
| Participant deferral / active EE | $2,594 | $3,460-25.0% | $4,395-41.0% | $4,238-38.8% |
| Admin fee / account holder | $16 | $416-96.2% | $5,325-99.7% | $594-97.3% |