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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 | $40,980 | $48,669-15.8% | $93,654-56.2% | $199,768-79.5% |
| Participation rate | 38.3% | 63.7%-25.3pp | 68.7%-30.4pp | 72.0%-33.7pp |
| Annual return | 65.98% | 15.38%+50.6pp | 133.34%-67.4pp | 34.26%+31.7pp |
| Employer contribution / active EE | $1,050 | $1,137-7.7% | $2,421-56.6% | $3,037-65.4% |
| Participant deferral / active EE | $1,952 | $2,823-30.8% | $4,413-55.8% | $5,090-61.6% |
| Admin fee / account holder | $14 | $195-92.8% | $8,282-99.8% | $269-94.8% |