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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 | $79,990 | $35,986+122.3% | $77,552+3.1% | $73,497+8.8% |
| Participation rate | 24.1% | 40.8%-16.7pp | 54.2%-30.1pp | 70.7%-46.5pp |
| Annual return | 17.07% | 19.26%-2.2pp | 54.82%-37.8pp | 28.51%-11.4pp |
| Employer contribution / active EE | $258 | $557-53.7% | $987-73.8% | $2,270-88.6% |
| Participant deferral / active EE | $945 | $1,198-21.1% | $1,861-49.2% | $3,740-74.7% |
| Admin fee / account holder | $55 | $466-88.2% | $2,859-98.1% | $513-89.3% |