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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 | $32,723 | $56,423-42.0% | $77,183-57.6% | $71,495-54.2% |
| Participation rate | 52.3% | 64.3%-12.0pp | 69.6%-17.3pp | 67.9%-15.6pp |
| Annual return | 16.46% | 19.05%-2.6pp | 37.89%-21.4pp | 28.85%-12.4pp |
| Employer contribution / active EE | $1,286 | $1,866-31.1% | $2,534-49.2% | $2,589-50.3% |
| Participant deferral / active EE | $2,930 | $3,142-6.7% | $3,833-23.6% | $4,291-31.7% |
| Admin fee / account holder | $67 | $1,429-95.3% | $5,475-98.8% | $1,588-95.8% |