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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 | $42,044 | $65,960-36.3% | $81,882-48.7% | $77,762-45.9% |
| Participation rate | 24.9% | 65.8%-40.8pp | 72.4%-47.5pp | 70.6%-45.7pp |
| Annual return | 12.66% | 26.64%-14.0pp | 779.47%-766.8pp | 31.27%-18.6pp |
| Employer contribution / active EE | $560 | $2,375-76.4% | $2,916-80.8% | $2,728-79.5% |
| Participant deferral / active EE | $977 | $3,505-72.1% | $4,323-77.4% | $4,651-79.0% |
| Admin fee / account holder | $51 | $526-90.3% | $7,360-99.3% | $433-88.2% |