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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 | $11,202 | $32,117-65.1% | $71,086-84.2% | $64,181-82.5% |
| Participation rate | 68.6% | 42.7%+25.9pp | 54.7%+13.9pp | 69.6%-1.0pp |
| Annual return | -8.06% | -5.57%-2.5pp | 650.59%-658.6pp | 7.63%-15.7pp |
| Employer contribution / active EE | $868 | $712+21.9% | $1,088-20.2% | $2,381-63.5% |
| Participant deferral / active EE | $1,728 | $1,263+36.8% | $1,874-7.8% | $3,470-50.2% |
| Admin fee / account holder | $5 | $2,759-99.8% | $3,082-99.8% | $4,887-99.9% |