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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $4,312 | $31,109-86.1% | $67,711-93.6% | $52,331-91.8% |
| Participation rate | 66.9% | 54.0%+12.9pp | 67.5%-0.6pp | 68.1%-1.2pp |
| Annual return | 2.01% | 23.70%-21.7pp | 25.41%-23.4pp | 4.54%-2.5pp |
| Employer contribution / active EE | $304 | $1,076-71.7% | $2,559-88.1% | $1,882-83.8% |
| Participant deferral / active EE | $1,149 | $1,970-41.7% | $3,585-68.0% | $3,022-62.0% |
| Admin fee / account holder | $2 | $466-99.6% | $4,255-100.0% | $592-99.7% |