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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $42,249 | $52,884-20.1% | $84,753-50.2% | $55,167-23.4% |
| Participation rate | 25.4% | 67.5%-42.1pp | 76.6%-51.2pp | 69.0%-43.6pp |
| Annual return | -0.89% | 18.03%-18.9pp | 22.78%-23.7pp | 169.23%-170.1pp |
| Employer contribution / active EE | $575 | $2,233-74.2% | $3,574-83.9% | $1,963-70.7% |
| Participant deferral / active EE | $1,727 | $2,644-34.7% | $3,712-53.5% | $3,054-43.5% |
| Admin fee / account holder | $18 | $581-97.0% | $5,333-99.7% | $504-96.5% |