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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 | $76,660 | $62,715+22.2% | $104,301-26.5% | $66,938+14.5% |
| Participation rate | 68.5% | 59.6%+8.9pp | 73.3%-4.8pp | 69.8%-1.3pp |
| Annual return | -14.51% | -14.70%+0.2pp | 24.61%-39.1pp | 1.58%-16.1pp |
| Employer contribution / active EE | $1,973 | $1,976-0.1% | $3,373-41.5% | $2,545-22.5% |
| Participant deferral / active EE | $1,856 | $2,852-34.9% | $4,626-59.9% | $4,238-56.2% |
| Admin fee / account holder | $46 | $657-93.0% | $7,340-99.4% | $594-92.3% |