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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 | $3,509 | $44,473-92.1% | $76,518-95.4% | $55,725-93.7% |
| Participation rate | 17.5% | 51.0%-33.5pp | 68.0%-50.5pp | 70.9%-53.3pp |
| Annual return | 0.00% | -2.01%+2.0pp | -0.27%+0.3pp | 244.93%-244.9pp |
| Employer contribution / active EE | $382 | $1,101-65.3% | $2,647-85.6% | $2,078-81.6% |
| Participant deferral / active EE | $612 | $1,988-69.2% | $3,836-84.0% | $3,356-81.7% |
| Admin fee / account holder | $5 | $134-96.3% | $4,849-99.9% | $115-95.7% |