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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,130 | $104,482-22.4% | $159,455-49.1% | $79,393+2.2% |
| Participation rate | 41.5% | 76.6%-35.1pp | 82.8%-41.3pp | 70.7%-29.2pp |
| Annual return | 26.37% | 67.96%-41.6pp | 263.63%-237.3pp | 116.87%-90.5pp |
| Employer contribution / active EE | $1,832 | $3,416-46.4% | $4,830-62.1% | $2,428-24.5% |
| Participant deferral / active EE | $5,411 | $6,467-16.3% | $7,353-26.4% | $4,046+33.7% |
| Admin fee / account holder | $255 | $711-64.2% | $10,800-97.6% | $627-59.3% |