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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,582 | $61,166-53.3% | $185,837-84.6% | $79,393-64.0% |
| Participation rate | 41.6% | 66.6%-25.1pp | 81.7%-40.1pp | 70.7%-29.1pp |
| Annual return | 16.87% | 19.45%-2.6pp | 122.08%-105.2pp | 116.87%-100.0pp |
| Employer contribution / active EE | $1,702 | $2,321-26.7% | $5,168-67.1% | $2,428-29.9% |
| Participant deferral / active EE | $3,267 | $2,789+17.2% | $5,568-41.3% | $4,046-19.2% |
| Admin fee / account holder | $113 | $710-84.1% | $16,241-99.3% | $627-81.9% |