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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $19,686 | $57,921-66.0% | $84,753-76.8% | $57,658-65.9% |
| Participation rate | 33.6% | 72.9%-39.3pp | 76.6%-43.0pp | 70.2%-36.6pp |
| Annual return | 21.27% | 10.24%+11.0pp | 22.78%-1.5pp | 5.13%+16.1pp |
| Employer contribution / active EE | $670 | $2,598-74.2% | $3,574-81.3% | $1,974-66.1% |
| Participant deferral / active EE | $2,402 | $2,742-12.4% | $3,712-35.3% | $3,061-21.5% |
| Admin fee / account holder | $24 | $130-81.6% | $5,333-99.6% | $95-74.8% |