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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $16,004 | $48,432-67.0% | $121,204-86.8% | $71,511-77.6% |
| Participation rate | 44.7% | 54.3%-9.6pp | 69.5%-24.8pp | 67.9%-23.2pp |
| Annual return | 23.62% | 23.28%+0.3pp | 987.18%-963.6pp | 28.86%-5.2pp |
| Employer contribution / active EE | $1,405 | $1,493-5.9% | $4,170-66.3% | $2,589-45.7% |
| Participant deferral / active EE | $1,691 | $2,756-38.6% | $4,083-58.6% | $4,291-60.6% |
| Admin fee / account holder | $30 | $1,845-98.4% | $5,651-99.5% | $1,588-98.1% |