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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 | $72,674 | $69,383+4.7% | $101,275-28.2% | $73,497-1.1% |
| Participation rate | 34.0% | 68.4%-34.3pp | 75.8%-41.8pp | 70.7%-36.6pp |
| Annual return | 12.87% | 18.46%-5.6pp | 46.48%-33.6pp | 28.51%-15.6pp |
| Employer contribution / active EE | $1,681 | $2,628-36.0% | $3,660-54.1% | $2,270-26.0% |
| Participant deferral / active EE | $3,703 | $3,301+12.2% | $4,371-15.3% | $3,740-1.0% |
| Admin fee / account holder | $239 | $704-66.1% | $5,948-96.0% | $513-53.5% |