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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 | $18,014 | $45,000-60.0% | $143,788-87.5% | $77,906-76.9% |
| Participation rate | 47.3% | 66.8%-19.5pp | 80.3%-33.0pp | 73.7%-26.4pp |
| Annual return | -9.66% | 29.03%-38.7pp | -0.03%-9.6pp | 12.16%-21.8pp |
| Employer contribution / active EE | $0 | $1,870-100.0% | $4,952-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $3,167 | $3,157+0.3% | $5,638-43.8% | $4,805-34.1% |
| Admin fee / account holder | $137 | $98+38.9% | $14,675-99.1% | $133+3.1% |