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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $59,580 | $71,666-16.9% | $117,861-49.4% | $69,631-14.4% |
| Participation rate | 61.8% | 77.5%-15.7pp | 79.7%-17.8pp | 70.7%-8.8pp |
| Annual return | 19.91% | 18.86%+1.1pp | 335.11%-315.2pp | 27571.02%-27551.1pp |
| Employer contribution / active EE | $1,000 | $1,889-47.1% | $3,786-73.6% | $2,032-50.8% |
| Participant deferral / active EE | $3,189 | $3,340-4.5% | $4,482-28.9% | $3,224-1.1% |
| Admin fee / account holder | $200 | $120+65.8% | $8,021-97.5% | $110+80.7% |