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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $80,041 | $58,895+35.9% | $178,503-55.2% | $73,497+8.9% |
| Participation rate | 24.8% | 66.2%-41.5pp | 81.9%-57.2pp | 70.7%-45.9pp |
| Annual return | 8.93% | 24.86%-15.9pp | 151.12%-142.2pp | 28.51%-19.6pp |
| Employer contribution / active EE | $344 | $2,236-84.6% | $5,011-93.1% | $2,270-84.8% |
| Participant deferral / active EE | $933 | $2,567-63.7% | $5,202-82.1% | $3,740-75.1% |
| Admin fee / account holder | $22 | $400-94.6% | $13,987-99.8% | $513-95.8% |