Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $42,569 | $86,791-51.0% | $115,038-63.0% | $59,188-28.1% |
| Participation rate | 47.6% | 72.8%-25.3pp | 81.4%-33.8pp | 69.4%-21.8pp |
| Annual return | -5.00% | 4.44%-9.4pp | 26.14%-31.1pp | 5.51%-10.5pp |
| Employer contribution / active EE | $1,005 | $2,950-65.9% | $4,608-78.2% | $2,098-52.1% |
| Participant deferral / active EE | $2,507 | $5,298-52.7% | $6,026-58.4% | $3,265-23.2% |
| Admin fee / account holder | $274 | $95+188.7% | $8,175-96.6% | $92+197.2% |