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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 | $74,976 | $65,125+15.1% | $143,797-47.9% | $66,949+12.0% |
| Participation rate | 68.1% | 65.2%+2.9pp | 80.3%-12.2pp | 69.8%-1.7pp |
| Annual return | -16.12% | -11.13%-5.0pp | -0.04%-16.1pp | 1.57%-17.7pp |
| Employer contribution / active EE | $3,894 | $2,362+64.8% | $4,952-21.4% | $2,545+53.0% |
| Participant deferral / active EE | $2,691 | $2,920-7.9% | $5,638-52.3% | $4,239-36.5% |
| Admin fee / account holder | $38 | $503-92.5% | $14,679-99.7% | $594-93.6% |