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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 | $23,244 | $58,895-60.5% | $178,503-87.0% | $73,497-68.4% |
| Participation rate | 48.3% | 66.2%-18.0pp | 81.9%-33.7pp | 70.7%-22.4pp |
| Annual return | 0.00% | 24.86%-24.9pp | 151.12%-151.1pp | 28.51%-28.5pp |
| Employer contribution / active EE | $2,076 | $2,236-7.1% | $5,011-58.6% | $2,270-8.5% |
| Participant deferral / active EE | $3,524 | $2,567+37.3% | $5,202-32.3% | $3,740-5.8% |
| Admin fee / account holder | $14 | $400-96.5% | $13,987-99.9% | $513-97.3% |