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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 | $23,037 | $50,498-54.4% | $75,784-69.6% | $55,191-58.3% |
| Participation rate | 35.2% | 69.4%-34.2pp | 75.8%-40.6pp | 69.2%-33.9pp |
| Annual return | 11.37% | 1.80%+9.6pp | 9.68%+1.7pp | 10.78%+0.6pp |
| Employer contribution / active EE | $702 | $2,291-69.4% | $3,323-78.9% | $1,899-63.0% |
| Participant deferral / active EE | $2,036 | $2,589-21.4% | $3,652-44.2% | $3,046-33.2% |
| Admin fee / account holder | $13 | $123-89.2% | $5,300-99.7% | $91-85.4% |