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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 | $22,229 | $58,726-62.1% | $92,240-75.9% | $62,293-64.3% |
| Participation rate | 60.9% | 68.3%-7.4pp | 76.5%-15.6pp | 69.5%-8.6pp |
| Annual return | 21.75% | 43.62%-21.9pp | 176.29%-154.5pp | 28.90%-7.1pp |
| Employer contribution / active EE | $485 | $2,392-79.7% | $3,680-86.8% | $2,042-76.2% |
| Participant deferral / active EE | $1,266 | $2,766-54.2% | $3,897-67.5% | $3,169-60.0% |
| Admin fee / account holder | $42 | $556-92.5% | $5,194-99.2% | $479-91.2% |