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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $22,807 | $52,884-56.9% | $84,753-73.1% | $55,167-58.7% |
| Participation rate | 48.8% | 67.5%-18.7pp | 76.6%-27.8pp | 69.0%-20.2pp |
| Annual return | 8.51% | 18.03%-9.5pp | 22.78%-14.3pp | 169.23%-160.7pp |
| Employer contribution / active EE | $433 | $2,233-80.6% | $3,574-87.9% | $1,963-78.0% |
| Participant deferral / active EE | $2,469 | $2,644-6.6% | $3,712-33.5% | $3,054-19.2% |
| Admin fee / account holder | $3 | $581-99.5% | $5,333-99.9% | $504-99.4% |