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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $25,448 | $38,365-33.7% | $84,623-69.9% | $65,185-61.0% |
| Participation rate | 31.8% | 55.7%-23.8pp | 68.2%-36.4pp | 70.2%-38.4pp |
| Annual return | 22.93% | 32.00%-9.1pp | 258.77%-235.8pp | 29.38%-6.5pp |
| Employer contribution / active EE | $371 | $1,258-70.5% | $2,652-86.0% | $2,177-83.0% |
| Participant deferral / active EE | $562 | $2,278-75.3% | $3,899-85.6% | $3,514-84.0% |
| Admin fee / account holder | $216 | $451-52.1% | $4,913-95.6% | $847-74.5% |