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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,454 | $43,999-33.1% | $79,467-62.9% | $55,725-47.1% |
| Participation rate | 26.7% | 66.9%-40.2pp | 73.3%-46.6pp | 70.9%-44.1pp |
| Annual return | -5.32% | 1.81%-7.1pp | 718.30%-723.6pp | 244.93%-250.3pp |
| Employer contribution / active EE | $492 | $1,830-73.1% | $2,800-82.4% | $2,078-76.3% |
| Participant deferral / active EE | $952 | $2,538-62.5% | $3,704-74.3% | $3,356-71.6% |
| Admin fee / account holder | $13 | $118-88.8% | $5,104-99.7% | $115-88.6% |