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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).
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 | $51,441 | $32,117+60.2% | $71,086-27.6% | $64,181-19.9% |
| Participation rate | 13.4% | 42.7%-29.3pp | 54.7%-41.2pp | 69.6%-56.2pp |
| Annual return | -5.07% | -5.57%+0.5pp | 650.59%-655.7pp | 7.63%-12.7pp |
| Employer contribution / active EE | $216 | $712-69.7% | $1,088-80.1% | $2,381-90.9% |
| Participant deferral / active EE | $727 | $1,263-42.4% | $1,874-61.2% | $3,470-79.0% |
| Admin fee / account holder | $33 | $2,759-98.8% | $3,082-98.9% | $4,887-99.3% |