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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,683 | $86,341-11.2% | $125,192-38.7% | $65,185+17.6% |
| Participation rate | 47.3% | 75.3%-28.0pp | 79.8%-32.5pp | 70.2%-22.9pp |
| Annual return | 23.87% | 27.44%-3.6pp | 43.79%-19.9pp | 29.38%-5.5pp |
| Employer contribution / active EE | $1,899 | $2,040-6.9% | $3,866-50.9% | $2,177-12.8% |
| Participant deferral / active EE | $2,548 | $3,538-28.0% | $4,937-48.4% | $3,514-27.5% |
| Admin fee / account holder | $4 | $609-99.4% | $9,704-100.0% | $847-99.5% |