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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,716 | $38,075-58.7% | $93,515-83.2% | $73,497-78.6% |
| Participation rate | 45.8% | 56.7%-10.9pp | 66.8%-21.0pp | 70.7%-24.8pp |
| Annual return | 45.52% | 17.59%+27.9pp | 78.21%-32.7pp | 28.51%+17.0pp |
| Employer contribution / active EE | $426 | $1,117-61.9% | $2,077-79.5% | $2,270-81.2% |
| Participant deferral / active EE | $853 | $2,012-57.6% | $3,129-72.7% | $3,740-77.2% |
| Admin fee / account holder | $279 | $351-20.5% | $5,235-94.7% | $513-45.6% |