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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,137 | $31,679-33.3% | $74,722-71.7% | $65,185-67.6% |
| Participation rate | 59.1% | 40.4%+18.7pp | 54.5%+4.6pp | 70.2%-11.1pp |
| Annual return | 24.78% | 39.04%-14.3pp | 753.11%-728.3pp | 29.38%-4.6pp |
| Employer contribution / active EE | $612 | $566+8.1% | $1,084-43.6% | $2,177-71.9% |
| Participant deferral / active EE | $1,506 | $1,191+26.5% | $1,963-23.3% | $3,514-57.1% |
| Admin fee / account holder | $18 | $379-95.4% | $3,335-99.5% | $847-97.9% |