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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $32,630 | $59,535-45.2% | $90,161-63.8% | $62,293-47.6% |
| Participation rate | 23.8% | 73.0%-49.3pp | 76.9%-53.1pp | 69.5%-45.7pp |
| Annual return | 16.28% | 23.53%-7.2pp | 34.89%-18.6pp | 28.90%-12.6pp |
| Employer contribution / active EE | $556 | $1,826-69.5% | $3,318-83.2% | $2,042-72.8% |
| Participant deferral / active EE | $663 | $4,639-85.7% | $5,287-87.5% | $3,169-79.1% |
| Admin fee / account holder | $31 | $337-90.9% | $5,943-99.5% | $479-93.6% |