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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 | $40,749 | $58,264-30.1% | $86,617-53.0% | $71,495-43.0% |
| Participation rate | 39.1% | 65.0%-25.9pp | 71.7%-32.6pp | 67.9%-28.8pp |
| Annual return | 18.96% | 21.63%-2.7pp | 591.91%-573.0pp | 28.85%-9.9pp |
| Employer contribution / active EE | $170 | $2,574-93.4% | $3,023-94.4% | $2,589-93.4% |
| Participant deferral / active EE | $3,202 | $3,436-6.8% | $4,437-27.8% | $4,291-25.4% |
| Admin fee / account holder | $155 | $1,057-85.3% | $5,613-97.2% | $1,588-90.2% |