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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 | $10,093 | $23,224-56.5% | $71,089-85.8% | $55,725-81.9% |
| Participation rate | 39.0% | 37.9%+1.2pp | 54.6%-15.6pp | 70.9%-31.8pp |
| Annual return | -7.40% | -2.87%-4.5pp | 650.65%-658.1pp | 244.93%-252.3pp |
| Employer contribution / active EE | $576 | $436+32.1% | $1,088-47.0% | $2,078-72.3% |
| Participant deferral / active EE | $697 | $929-25.0% | $1,873-62.8% | $3,356-79.2% |
| Admin fee / account holder | $47 | $118-59.9% | $3,082-98.5% | $115-58.9% |