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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 | $143,241 | $60,261+137.7% | $81,783+75.1% | $74,546+92.2% |
| Participation rate | 28.2% | 62.9%-34.6pp | 72.4%-44.1pp | 67.2%-39.0pp |
| Annual return | 14.03% | 16.88%-2.9pp | 775.05%-761.0pp | 1366.03%-1352.0pp |
| Employer contribution / active EE | $4,010 | $2,622+53.0% | $2,913+37.7% | $2,624+52.8% |
| Participant deferral / active EE | $10,297 | $3,388+204.0% | $4,320+138.3% | $4,347+136.9% |
| Admin fee / account holder | $20 | $1,482-98.6% | $7,380-99.7% | $1,944-99.0% |