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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 | $66,004-36.3% | $81,820-48.6% | $77,714-45.9% |
| Participation rate | 24.9% | 65.8%-40.9pp | 72.4%-47.4pp | 70.6%-45.6pp |
| Annual return | 12.66% | 26.65%-14.0pp | 777.93%-765.3pp | 31.26%-18.6pp |
| Employer contribution / active EE | $560 | $2,375-76.4% | $2,915-80.8% | $2,727-79.5% |
| Participant deferral / active EE | $977 | $3,508-72.2% | $4,323-77.4% | $4,649-79.0% |
| Admin fee / account holder | $51 | $527-90.3% | $7,391-99.3% | $433-88.2% |