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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 | $19,011 | $56,287-66.2% | $80,977-76.5% | $62,881-69.8% |
| Participation rate | 41.0% | 68.9%-27.9pp | 75.8%-34.8pp | 69.3%-28.3pp |
| Annual return | 11.11% | 22.13%-11.0pp | 17.11%-6.0pp | 20.14%-9.0pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,138 | $4,196+22.5% | $5,696-9.8% | $3,203+60.4% |
| Admin fee / account holder | $5 | $3,742-99.9% | $5,517-99.9% | $4,296-99.9% |