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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 | $51,321 | $54,590-6.0% | $81,716-37.2% | $73,493-30.2% |
| Participation rate | 62.4% | 68.3%-5.9pp | 72.0%-9.6pp | 70.7%-8.3pp |
| Annual return | 14.66% | 17.74%-3.1pp | 29.49%-14.8pp | 28.51%-13.9pp |
| Employer contribution / active EE | $747 | $1,636-54.3% | $4,310-82.7% | $2,270-67.1% |
| Participant deferral / active EE | $2,908 | $2,759+5.4% | $7,108-59.1% | $3,740-22.2% |
| Admin fee / account holder | $84 | $592-85.8% | $5,159-98.4% | $513-83.6% |