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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,752 | $62,166-40.9% | $81,286-54.8% | $74,429-50.6% |
| Participation rate | 58.0% | 64.1%-6.1pp | 69.5%-11.5pp | 67.2%-9.2pp |
| Annual return | 13.10% | 16.50%-3.4pp | 24.80%-11.7pp | 1368.38%-1355.3pp |
| Employer contribution / active EE | $1,543 | $1,881-18.0% | $2,463-37.3% | $2,625-41.2% |
| Participant deferral / active EE | $3,383 | $3,223+5.0% | $3,883-12.9% | $4,348-22.2% |
| Admin fee / account holder | $52 | $1,925-97.3% | $5,764-99.1% | $1,944-97.3% |