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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $16,573 | $46,745-64.5% | $60,547-72.6% | $52,331-68.3% |
| Participation rate | 28.8% | 58.6%-29.7pp | 68.0%-39.1pp | 68.1%-39.3pp |
| Annual return | -2.16% | 0.61%-2.8pp | 335.64%-337.8pp | 4.54%-6.7pp |
| Employer contribution / active EE | $156 | $1,259-87.6% | $2,419-93.6% | $1,882-91.7% |
| Participant deferral / active EE | $869 | $2,145-59.5% | $3,328-73.9% | $3,022-71.2% |
| Admin fee / account holder | $107 | $537-80.0% | $4,536-97.6% | $592-81.8% |