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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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $21,256 | $50,947-58.3% | $74,551-71.5% | $64,173-66.9% |
| Participation rate | 68.3% | 61.1%+7.2pp | 69.1%-0.9pp | 69.6%-1.3pp |
| Annual return | -5.14% | -1.85%-3.3pp | 32.53%-37.7pp | 7.63%-12.8pp |
| Employer contribution / active EE | $639 | $1,115-42.7% | $1,961-67.4% | $2,381-73.1% |
| Participant deferral / active EE | $2,013 | $2,302-12.6% | $3,108-35.3% | $3,470-42.0% |
| Admin fee / account holder | $8 | $4,221-99.8% | $5,059-99.8% | $4,887-99.8% |