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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $58,917 | $72,554-18.8% | $138,135-57.3% | $73,497-19.8% |
| Participation rate | 42.0% | 74.8%-32.9pp | 78.7%-36.8pp | 70.7%-28.7pp |
| Annual return | 78.64% | 17.50%+61.1pp | 20.51%+58.1pp | 28.51%+50.1pp |
| Employer contribution / active EE | $1,688 | $3,511-51.9% | $5,587-69.8% | $2,270-25.7% |
| Participant deferral / active EE | $2,671 | $4,908-45.6% | $6,431-58.5% | $3,740-28.6% |
| Admin fee / account holder | $76 | $464-83.7% | $11,856-99.4% | $513-85.2% |