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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 | $19,015 | $34,634-45.1% | $77,100-75.3% | $64,824-70.7% |
| Participation rate | 35.3% | 49.8%-14.5pp | 67.9%-32.6pp | 71.5%-36.1pp |
| Annual return | -12.10% | -5.31%-6.8pp | 42.35%-54.5pp | 32.84%-44.9pp |
| Employer contribution / active EE | $898 | $1,385-35.1% | $2,815-68.1% | $2,507-64.2% |
| Participant deferral / active EE | $1,602 | $2,553-37.3% | $4,430-63.8% | $4,311-62.8% |
| Admin fee / account holder | $17 | $178-90.7% | $5,443-99.7% | $188-91.2% |