Filed October 9, 2025
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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,877 | $55,423-49.7% | $155,602-82.1% | $74,400-62.5% |
| Participation rate | 47.9% | 61.9%-14.0pp | 78.2%-30.3pp | 67.2%-19.3pp |
| Annual return | 12.97% | 269.07%-256.1pp | 64.81%-51.8pp | 1367.51%-1354.5pp |
| Employer contribution / active EE | $1,185 | $2,266-47.7% | $4,675-74.7% | $2,624-54.9% |
| Participant deferral / active EE | $3,085 | $2,835+8.8% | $5,629-45.2% | $4,348-29.1% |
| Admin fee / account holder | $18 | $1,744-99.0% | $15,923-99.9% | $1,944-99.1% |