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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 | $29,915 | $46,360-35.5% | $147,617-79.7% | $52,331-42.8% |
| Participation rate | 32.3% | 64.9%-32.6pp | 84.6%-52.3pp | 68.1%-35.8pp |
| Annual return | 1.11% | 1.62%-0.5pp | 61.98%-60.9pp | 4.54%-3.4pp |
| Employer contribution / active EE | $709 | $2,126-66.7% | $5,564-87.3% | $1,882-62.3% |
| Participant deferral / active EE | $1,116 | $2,258-50.6% | $4,895-77.2% | $3,022-63.1% |
| Admin fee / account holder | $183 | $766-76.1% | $11,612-98.4% | $592-69.0% |