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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $57,695 | $75,183-23.3% | $123,894-53.4% | $55,167+4.6% |
| Participation rate | 25.0% | 72.8%-47.8pp | 81.4%-56.4pp | 69.0%-44.0pp |
| Annual return | 9.48% | 19.01%-9.5pp | 47.52%-38.0pp | 169.23%-159.7pp |
| Employer contribution / active EE | $2,101 | $2,823-25.6% | $4,617-54.5% | $1,963+7.0% |
| Participant deferral / active EE | $1,163 | $5,084-77.1% | $5,984-80.6% | $3,054-61.9% |
| Admin fee / account holder | $16 | $663-97.6% | $8,357-99.8% | $504-96.9% |