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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 | $27,580 | $38,365-28.1% | $84,637-67.4% | $65,186-57.7% |
| Participation rate | 49.5% | 55.7%-6.1pp | 68.2%-18.7pp | 70.2%-20.7pp |
| Annual return | 23.68% | 32.00%-8.3pp | 258.82%-235.1pp | 29.39%-5.7pp |
| Employer contribution / active EE | $594 | $1,258-52.8% | $2,653-77.6% | $2,177-72.7% |
| Participant deferral / active EE | $1,341 | $2,278-41.1% | $3,900-65.6% | $3,514-61.8% |
| Admin fee / account holder | $0 | $451-100.0% | $4,914-100.0% | $847-100.0% |