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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 | $19,298 | $44,714-56.8% | $91,225-78.8% | $66,938-71.2% |
| Participation rate | 28.4% | 65.0%-36.6pp | 73.2%-44.8pp | 69.8%-41.4pp |
| Annual return | -15.75% | -12.25%-3.5pp | 114.12%-129.9pp | 1.58%-17.3pp |
| Employer contribution / active EE | $874 | $1,710-48.9% | $2,851-69.4% | $2,545-65.7% |
| Participant deferral / active EE | $1,817 | $3,355-45.8% | $4,233-57.1% | $4,238-57.1% |
| Admin fee / account holder | $8 | $521-98.4% | $5,422-99.8% | $594-98.6% |