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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $35,027 | $56,640-38.2% | $78,002-55.1% | $55,167-36.5% |
| Participation rate | 62.2% | 73.3%-11.1pp | 75.5%-13.3pp | 69.0%-6.8pp |
| Annual return | 3.45% | 2868.48%-2865.0pp | 425.99%-422.5pp | 169.23%-165.8pp |
| Employer contribution / active EE | $904 | $1,724-47.6% | $2,470-63.4% | $1,963-53.9% |
| Participant deferral / active EE | $1,507 | $2,778-45.8% | $3,497-56.9% | $3,054-50.7% |
| Admin fee / account holder | $70 | $467-85.0% | $5,481-98.7% | $504-86.1% |