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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 | $9,366 | $59,328-84.2% | $118,946-92.1% | $73,493-87.3% |
| Participation rate | 64.2% | 62.3%+1.9pp | 75.4%-11.2pp | 70.7%-6.5pp |
| Annual return | 22.72% | 19.13%+3.6pp | 35.89%-13.2pp | 28.51%-5.8pp |
| Employer contribution / active EE | $882 | $1,803-51.1% | $3,263-73.0% | $2,270-61.1% |
| Participant deferral / active EE | $1,621 | $2,604-37.7% | $4,266-62.0% | $3,740-56.7% |
| Admin fee / account holder | $42 | $600-93.0% | $6,581-99.4% | $513-91.8% |