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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,829 | $46,732-66.1% | $156,551-89.9% | $55,167-71.3% |
| Participation rate | 35.6% | 65.8%-30.2pp | 84.0%-48.4pp | 69.0%-33.4pp |
| Annual return | 6.39% | 17.72%-11.3pp | 32.23%-25.8pp | 169.23%-162.8pp |
| Employer contribution / active EE | $253 | $2,105-88.0% | $5,501-95.4% | $1,963-87.1% |
| Participant deferral / active EE | $1,357 | $2,204-38.4% | $4,871-72.1% | $3,054-55.6% |
| Admin fee / account holder | $24 | $418-94.4% | $13,028-99.8% | $504-95.3% |