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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 | $39,601 | $25,302+56.5% | $74,723-47.0% | $67,582-41.4% |
| Participation rate | 36.7% | 37.8%-1.2pp | 54.5%-17.8pp | 71.3%-34.6pp |
| Annual return | 28.04% | 10291.17%-10263.1pp | 753.18%-725.1pp | 378.57%-350.5pp |
| Employer contribution / active EE | $0 | $446-100.0% | $1,084-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $596 | $954-37.5% | $1,962-69.6% | $3,539-83.2% |
| Admin fee / account holder | $12 | $108-88.9% | $3,335-99.6% | $142-91.6% |