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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 | $29,398 | $72,269-59.3% | $101,271-71.0% | $79,852-63.2% |
| Participation rate | 69.7% | 68.5%+1.2pp | 75.8%-6.1pp | 69.6%+0.1pp |
| Annual return | 16.17% | 22.29%-6.1pp | 46.48%-30.3pp | 31.72%-15.6pp |
| Employer contribution / active EE | $870 | $2,692-67.7% | $3,660-76.2% | $2,471-64.8% |
| Participant deferral / active EE | $7,635 | $3,282+132.7% | $4,371+74.7% | $3,740+104.1% |
| Admin fee / account holder | $34 | $4,401-99.2% | $5,948-99.4% | $5,306-99.4% |