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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 | $4,278 | $25,014-82.9% | $69,623-93.9% | $80,935-94.7% |
| Participation rate | 69.1% | 64.2%+4.9pp | 66.4%+2.7pp | 67.7%+1.5pp |
| Annual return | 17.72% | 19.08%-1.4pp | 101.23%-83.5pp | 35.66%-17.9pp |
| Employer contribution / active EE | $624 | $991-37.0% | $1,709-63.5% | $2,757-77.4% |
| Participant deferral / active EE | $1,914 | $1,840+4.0% | $2,890-33.8% | $4,299-55.5% |
| Admin fee / account holder | $22 | $2,491-99.1% | $4,696-99.5% | $6,924-99.7% |