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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 | $12,943 | $45,126-71.3% | $85,187-84.8% | $74,459-82.6% |
| Participation rate | 31.9% | 49.4%-17.4pp | 67.5%-35.6pp | 67.2%-35.3pp |
| Annual return | 11.32% | 26.30%-15.0pp | 66.67%-55.3pp | 1369.70%-1358.4pp |
| Employer contribution / active EE | $3 | $1,460-99.8% | $2,732-99.9% | $2,626-99.9% |
| Participant deferral / active EE | $1,674 | $2,738-38.9% | $4,525-63.0% | $4,350-61.5% |
| Admin fee / account holder | $65 | $2,212-97.1% | $6,162-99.0% | $1,945-96.7% |