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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 | $15,543 | $37,039-58.0% | $147,617-89.5% | $59,188-73.7% |
| Participation rate | 50.9% | 63.8%-12.9pp | 84.6%-33.7pp | 69.4%-18.5pp |
| Annual return | 1.94% | 7.19%-5.2pp | 61.98%-60.0pp | 5.51%-3.6pp |
| Employer contribution / active EE | $192 | $1,353-85.8% | $5,564-96.6% | $2,098-90.9% |
| Participant deferral / active EE | $870 | $2,094-58.5% | $4,895-82.2% | $3,265-73.4% |
| Admin fee / account holder | $31 | $60-48.0% | $11,612-99.7% | $92-66.0% |