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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 | $20,102 | $36,916-45.5% | $156,551-87.2% | $57,658-65.1% |
| Participation rate | 36.7% | 63.4%-26.8pp | 84.0%-47.3pp | 70.2%-33.6pp |
| Annual return | 10.27% | 12.38%-2.1pp | 32.23%-22.0pp | 5.13%+5.1pp |
| Employer contribution / active EE | $299 | $1,571-81.0% | $5,501-94.6% | $1,974-84.9% |
| Participant deferral / active EE | $1,306 | $1,926-32.2% | $4,871-73.2% | $3,061-57.3% |
| Admin fee / account holder | $100 | $82+21.1% | $13,028-99.2% | $95+5.7% |