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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 | $31,381 | $29,569+6.1% | $56,077-44.0% | $77,714-59.6% |
| Participation rate | 14.6% | 32.6%-18.0pp | 52.5%-37.9pp | 70.6%-56.0pp |
| Annual return | 24.23% | 18.90%+5.3pp | 1709.28%-1685.1pp | 31.26%-7.0pp |
| Employer contribution / active EE | $572 | $569+0.6% | $1,040-45.0% | $2,727-79.0% |
| Participant deferral / active EE | $1,239 | $1,061+16.8% | $1,954-36.6% | $4,649-73.3% |
| Admin fee / account holder | $127 | $1,042-87.8% | $2,825-95.5% | $433-70.7% |