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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $44,351 | $46,297-4.2% | $71,671-38.1% | $62,293-28.8% |
| Participation rate | 38.2% | 60.6%-22.5pp | 68.7%-30.6pp | 69.5%-31.3pp |
| Annual return | 16.49% | 22.32%-5.8pp | 20.65%-4.2pp | 28.90%-12.4pp |
| Employer contribution / active EE | $0 | $1,412-100.0% | $2,460-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,672 | $2,235+19.5% | $3,438-22.3% | $3,169-15.7% |
| Admin fee / account holder | $141 | $461-69.4% | $5,558-97.5% | $479-70.6% |