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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 | $29,770 | $54,320-45.2% | $67,653-56.0% | $52,331-43.1% |
| Participation rate | 59.1% | 73.6%-14.5pp | 75.7%-16.6pp | 68.1%-9.0pp |
| Annual return | -1.52% | 6.81%-8.3pp | 6625.22%-6626.7pp | 4.54%-6.1pp |
| Employer contribution / active EE | $491 | $1,544-68.2% | $2,266-78.3% | $1,882-73.9% |
| Participant deferral / active EE | $1,454 | $2,950-50.7% | $3,560-59.2% | $3,022-51.9% |
| Admin fee / account holder | $23 | $527-95.5% | $4,821-99.5% | $592-96.0% |