I got the same situation. I'm at a small LAC, and we don't have a lot of courses offering every semester. I knew that taking more advanced/graduate courses would be helpful, as well as one more summer of research (although I don't think I will have publication anyways, even with one more year of research), but I decided to graduate one year early (due to financial reasons). I'm applying to several stats programs this year, and I would probably find a place to do research for a year if I didn't get in any of the programs I applied. So my advice is, if staying for another year is not your option, you may consider doing research for a year, getting a good recommendation from your adviser, while retaking GRE (I think math is more important than general) and reapplying next year. Of course, I wish you good luck on your apps this year!