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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 | $5,378 | $25,014-78.5% | $69,632-92.3% | $80,959-93.4% |
| Participation rate | 53.8% | 64.2%-10.4pp | 66.4%-12.6pp | 67.7%-13.8pp |
| Annual return | 18.26% | 19.08%-0.8pp | 101.32%-83.1pp | 35.67%-17.4pp |
| Employer contribution / active EE | $862 | $991-13.0% | $1,708-49.5% | $2,757-68.7% |
| Participant deferral / active EE | $3,263 | $1,840+77.4% | $2,889+13.0% | $4,300-24.1% |
| Admin fee / account holder | $33 | $2,491-98.7% | $4,695-99.3% | $6,925-99.5% |