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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,304 | $84,499+74.3% | $125,391+17.5% | $66,949+120.0% |
| Participation rate | 63.0% | 76.4%-13.4pp | 82.4%-19.4pp | 69.8%-6.8pp |
| Annual return | -16.86% | -8.49%-8.4pp | 572.41%-589.3pp | 1.57%-18.4pp |
| Employer contribution / active EE | $1,746 | $3,554-50.9% | $4,816-63.7% | $2,545-31.4% |
| Participant deferral / active EE | $7,474 | $6,785+10.2% | $7,448+0.3% | $4,239+76.3% |
| Admin fee / account holder | $33 | $685-95.2% | $10,009-99.7% | $594-94.5% |