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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 | $44,856 | $65,083-31.1% | $143,788-68.8% | $66,930-33.0% |
| Participation rate | 68.9% | 65.2%+3.7pp | 80.3%-11.4pp | 69.8%-0.9pp |
| Annual return | -17.52% | -11.13%-6.4pp | -0.03%-17.5pp | 1.57%-19.1pp |
| Employer contribution / active EE | $1,720 | $2,361-27.1% | $4,952-65.3% | $2,545-32.4% |
| Participant deferral / active EE | $3,315 | $2,920+13.5% | $5,638-41.2% | $4,238-21.8% |
| Admin fee / account holder | $10 | $502-98.0% | $14,675-99.9% | $593-98.3% |