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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 | $62,177-40.9% | $81,370-54.8% | $74,478-50.7% |
| Participation rate | 58.0% | 64.1%-6.1pp | 69.5%-11.6pp | 67.2%-9.2pp |
| Annual return | 13.10% | 16.62%-3.5pp | 24.85%-11.7pp | 1370.56%-1357.5pp |
| Employer contribution / active EE | $1,543 | $1,881-18.0% | $2,464-37.4% | $2,626-41.2% |
| Participant deferral / active EE | $3,383 | $3,219+5.1% | $3,885-12.9% | $4,350-22.2% |
| Admin fee / account holder | $52 | $1,927-97.3% | $5,749-99.1% | $1,946-97.3% |