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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 | $48,744-15.9% | $93,669-56.3% | $199,921-79.5% |
| Participation rate | 38.3% | 63.7%-25.4pp | 68.7%-30.4pp | 72.0%-33.7pp |
| Annual return | 65.98% | 15.36%+50.6pp | 133.59%-67.6pp | 34.28%+31.7pp |
| Employer contribution / active EE | $1,050 | $1,140-7.9% | $2,424-56.7% | $3,035-65.4% |
| Participant deferral / active EE | $1,952 | $2,825-30.9% | $4,416-55.8% | $5,089-61.6% |
| Admin fee / account holder | $14 | $195-92.8% | $8,291-99.8% | $269-94.8% |