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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 | $28,608 | $42,367-32.5% | $79,580-64.1% | $64,819-55.9% |
| Participation rate | 32.8% | 64.7%-31.9pp | 69.5%-36.7pp | 71.5%-38.7pp |
| Annual return | -16.51% | -12.23%-4.3pp | 0.15%-16.7pp | 32.84%-49.3pp |
| Employer contribution / active EE | $880 | $1,181-25.4% | $2,413-63.5% | $2,507-64.9% |
| Participant deferral / active EE | $1,748 | $3,170-44.9% | $3,985-56.1% | $4,311-59.4% |
| Admin fee / account holder | $17 | $160-89.6% | $6,835-99.8% | $188-91.2% |