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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 | $23,072 | $46,173-50.0% | $170,435-86.5% | $69,631-66.9% |
| Participation rate | 39.5% | 63.9%-24.4pp | 83.6%-44.1pp | 70.7%-31.2pp |
| Annual return | 17.29% | 21.62%-4.3pp | 205.94%-188.6pp | 27571.02%-27553.7pp |
| Employer contribution / active EE | $324 | $1,610-79.9% | $5,432-94.0% | $2,032-84.1% |
| Participant deferral / active EE | $1,481 | $2,080-28.8% | $4,939-70.0% | $3,224-54.1% |
| Admin fee / account holder | $37 | $116-68.4% | $13,881-99.7% | $110-66.9% |