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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.
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 | $48,939 | $56,640-13.6% | $78,002-37.3% | $55,167-11.3% |
| Participation rate | 20.7% | 73.3%-52.6pp | 75.5%-54.8pp | 69.0%-48.2pp |
| Annual return | 13.69% | 2868.48%-2854.8pp | 425.99%-412.3pp | 169.23%-155.5pp |
| Employer contribution / active EE | $0 | $1,724-100.0% | $2,470-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,274 | $2,778-54.1% | $3,497-63.6% | $3,054-58.3% |
| Admin fee / account holder | $97 | $467-79.3% | $5,481-98.2% | $504-80.8% |