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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 | $22,794 | $35,986-36.7% | $77,513-70.6% | $73,493-69.0% |
| Participation rate | 67.7% | 40.8%+26.9pp | 54.2%+13.5pp | 70.7%-2.9pp |
| Annual return | 16.13% | 19.26%-3.1pp | 54.81%-38.7pp | 28.51%-12.4pp |
| Employer contribution / active EE | $672 | $557+20.6% | $987-31.9% | $2,270-70.4% |
| Participant deferral / active EE | $1,573 | $1,198+31.3% | $1,861-15.5% | $3,740-57.9% |
| Admin fee / account holder | $25 | $466-94.7% | $2,859-99.1% | $513-95.2% |