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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 | $17,485 | $34,634-49.5% | $77,096-77.3% | $64,819-73.0% |
| Participation rate | 29.8% | 49.8%-20.0pp | 67.9%-38.1pp | 71.5%-41.7pp |
| Annual return | 5.01% | -5.31%+10.3pp | 42.35%-37.3pp | 32.84%-27.8pp |
| Employer contribution / active EE | $575 | $1,385-58.5% | $2,814-79.6% | $2,507-77.1% |
| Participant deferral / active EE | $1,035 | $2,553-59.4% | $4,429-76.6% | $4,311-76.0% |
| Admin fee / account holder | $95 | $178-46.5% | $5,428-98.2% | $188-49.2% |