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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $63,105 | $61,660+2.3% | $80,022-21.1% | $64,173-1.7% |
| Participation rate | 61.5% | 71.7%-10.2pp | 75.8%-14.3pp | 69.6%-8.0pp |
| Annual return | 5.56% | -0.33%+5.9pp | 11.22%-5.7pp | 7.63%-2.1pp |
| Employer contribution / active EE | $466 | $1,810-74.2% | $2,468-81.1% | $2,381-80.4% |
| Participant deferral / active EE | $2,733 | $2,968-7.9% | $3,686-25.9% | $3,470-21.2% |
| Admin fee / account holder | $0 | $5,417-100.0% | $6,521-100.0% | $4,887-100.0% |