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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $10,468 | $71,192-85.3% | $117,861-91.1% | $62,293-83.2% |
| Participation rate | 52.4% | 74.2%-21.8pp | 79.7%-27.2pp | 69.5%-17.1pp |
| Annual return | 0.00% | 18.66%-18.7pp | 335.11%-335.1pp | 28.90%-28.9pp |
| Employer contribution / active EE | $2,028 | $1,934+4.9% | $3,786-46.4% | $2,042-0.7% |
| Participant deferral / active EE | $3,161 | $3,189-0.9% | $4,482-29.5% | $3,169-0.3% |
| Admin fee / account holder | $27 | $587-95.3% | $8,021-99.7% | $479-94.3% |