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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $36,909 | $37,196-0.8% | $154,108-76.0% | $55,725-33.8% |
| Participation rate | 7.9% | 64.1%-56.2pp | 83.0%-75.1pp | 70.9%-62.9pp |
| Annual return | -3.94% | 1319.68%-1323.6pp | 735.21%-739.1pp | 244.93%-248.9pp |
| Employer contribution / active EE | $0 | $1,614-100.0% | $5,298-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $840 | $2,068-59.4% | $5,081-83.5% | $3,356-75.0% |
| Admin fee / account holder | $10 | $102-90.0% | $13,411-99.9% | $115-91.2% |