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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.
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 | $59,514 | $67,411-11.7% | $91,004-34.6% | $70,126-15.1% |
| Participation rate | 61.2% | 71.4%-10.2pp | 75.6%-14.4pp | 69.5%-8.4pp |
| Annual return | 11.76% | -40.16%+51.9pp | 4.60%+7.2pp | 73.15%-61.4pp |
| Employer contribution / active EE | $420 | $1,786-76.5% | $2,456-82.9% | $2,343-82.1% |
| Participant deferral / active EE | $2,022 | $2,823-28.4% | $3,548-43.0% | $3,332-39.3% |
| Admin fee / account holder | $0 | $4,236-100.0% | $5,417-100.0% | $4,645-100.0% |