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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,712 | $80,177-29.3% | $123,894-54.2% | $57,658-1.6% |
| Participation rate | 27.0% | 74.4%-47.5pp | 81.4%-54.4pp | 70.2%-43.2pp |
| Annual return | 6.23% | 17.90%-11.7pp | 47.52%-41.3pp | 5.13%+1.1pp |
| Employer contribution / active EE | $0 | $2,913-100.0% | $4,617-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $4,898 | $5,130-4.5% | $5,984-18.1% | $3,061+60.0% |
| Admin fee / account holder | $18 | $106-83.5% | $8,357-99.8% | $95-81.4% |