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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $47,354 | $51,466-8.0% | $78,778-39.9% | $62,293-24.0% |
| Participation rate | 26.1% | 59.8%-33.7pp | 69.2%-43.1pp | 69.5%-43.4pp |
| Annual return | 12.51% | 19.96%-7.4pp | 35.62%-23.1pp | 28.90%-16.4pp |
| Employer contribution / active EE | $519 | $827-37.3% | $1,986-73.9% | $2,042-74.6% |
| Participant deferral / active EE | $955 | $2,147-55.5% | $2,958-67.7% | $3,169-69.9% |
| Admin fee / account holder | $31 | $489-93.7% | $5,134-99.4% | $479-93.5% |