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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 | $35,593 | $39,798-10.6% | $67,704-47.4% | $59,633-40.3% |
| Participation rate | 54.9% | 57.4%-2.4pp | 67.5%-12.6pp | 68.7%-13.7pp |
| Annual return | 4.14% | 89.94%-85.8pp | 25.41%-21.3pp | 2041.45%-2037.3pp |
| Employer contribution / active EE | $1,625 | $1,393+16.7% | $2,559-36.5% | $2,203-26.2% |
| Participant deferral / active EE | $4,131 | $2,335+76.9% | $3,585+15.2% | $3,192+29.4% |
| Admin fee / account holder | $17 | $3,212-99.5% | $4,255-99.6% | $4,297-99.6% |