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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 | $19,476 | $26,137-25.5% | $58,561-66.7% | $74,460-73.8% |
| Participation rate | 27.7% | 32.2%-4.5pp | 50.9%-23.2pp | 70.7%-43.1pp |
| Annual return | 23.97% | 32.53%-8.6pp | 4251.33%-4227.4pp | 34.38%-10.4pp |
| Employer contribution / active EE | $963 | $537+79.4% | $1,053-8.6% | $2,638-63.5% |
| Participant deferral / active EE | $2,028 | $1,076+88.5% | $1,923+5.4% | $4,530-55.2% |
| Admin fee / account holder | $84 | $648-87.0% | $2,520-96.6% | $348-75.7% |