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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 | $28,864 | $58,895-51.0% | $178,503-83.8% | $73,497-60.7% |
| Participation rate | 23.7% | 66.2%-42.5pp | 81.9%-58.2pp | 70.7%-47.0pp |
| Annual return | 14.05% | 24.86%-10.8pp | 151.12%-137.1pp | 28.51%-14.5pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,410 | $2,567-45.1% | $5,202-72.9% | $3,740-62.3% |
| Admin fee / account holder | $12 | $400-97.0% | $13,987-99.9% | $513-97.7% |