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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 | $21,976 | $31,105-29.3% | $53,647-59.0% | $64,097-65.7% |
| Participation rate | 46.1% | 30.7%+15.4pp | 56.3%-10.2pp | 55.2%-9.1pp |
| Annual return | 14.75% | 22.54%-7.8pp | 358.33%-343.6pp | 34.64%-19.9pp |
| Employer contribution / active EE | $1,491 | $441+238.3% | $962+55.0% | $1,891-21.2% |
| Participant deferral / active EE | $1,694 | $896+89.0% | $1,813-6.6% | $3,080-45.0% |
| Admin fee / account holder | $49 | $2,195-97.8% | $2,460-98.0% | $3,454-98.6% |