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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,544 | $46,360-57.8% | $147,617-86.8% | $52,331-62.7% |
| Participation rate | 30.4% | 64.9%-34.6pp | 84.6%-54.3pp | 68.1%-37.7pp |
| Annual return | -2.08% | 1.62%-3.7pp | 61.98%-64.1pp | 4.54%-6.6pp |
| Employer contribution / active EE | $562 | $2,126-73.6% | $5,564-89.9% | $1,882-70.2% |
| Participant deferral / active EE | $672 | $2,258-70.2% | $4,895-86.3% | $3,022-77.8% |
| Admin fee / account holder | $1 | $766-99.8% | $11,612-100.0% | $592-99.8% |