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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 | $21,297 | $33,067-35.6% | $76,518-72.2% | $56,289-62.2% |
| Participation rate | 50.5% | 55.4%-4.9pp | 68.0%-17.5pp | 69.9%-19.4pp |
| Annual return | -7.38% | 2.72%-10.1pp | -0.27%-7.1pp | -9.96%+2.6pp |
| Employer contribution / active EE | $620 | $1,200-48.3% | $2,647-76.6% | $2,111-70.6% |
| Participant deferral / active EE | $1,404 | $2,240-37.3% | $3,836-63.4% | $3,350-58.1% |
| Admin fee / account holder | $0 | $537-100.0% | $4,849-100.0% | $521-100.0% |