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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $28,278 | $89,652-68.5% | $141,197-80.0% | $65,186-56.6% |
| Participation rate | 64.2% | 74.7%-10.6pp | 82.5%-18.3pp | 70.2%-6.0pp |
| Annual return | 16.59% | 32.79%-16.2pp | 71.41%-54.8pp | 29.39%-12.8pp |
| Employer contribution / active EE | $1,774 | $3,065-42.1% | $4,736-62.5% | $2,177-18.5% |
| Participant deferral / active EE | $5,817 | $5,691+2.2% | $6,710-13.3% | $3,514+65.5% |
| Admin fee / account holder | $8 | $569-98.5% | $10,265-99.9% | $847-99.0% |