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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 | $55,337 | $54,573+1.4% | $90,970-39.2% | $73,497-24.7% |
| Participation rate | 41.7% | 61.2%-19.4pp | 69.0%-27.3pp | 70.7%-28.9pp |
| Annual return | 27.36% | 16.69%+10.7pp | 134.60%-107.2pp | 28.51%-1.1pp |
| Employer contribution / active EE | $1,048 | $991+5.8% | $2,122-50.6% | $2,270-53.8% |
| Participant deferral / active EE | $1,821 | $2,517-27.7% | $3,373-46.0% | $3,740-51.3% |
| Admin fee / account holder | $6 | $521-98.9% | $5,961-99.9% | $513-98.8% |