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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 | $41,563 | $56,134-26.0% | $96,161-56.8% | $85,856-51.6% |
| Participation rate | 46.8% | 56.7%-9.9pp | 68.4%-21.6pp | 69.3%-22.5pp |
| Annual return | 14.94% | 42.30%-27.4pp | 192.01%-177.1pp | 318.58%-303.6pp |
| Employer contribution / active EE | $635 | $1,620-60.8% | $2,798-77.3% | $2,565-75.3% |
| Participant deferral / active EE | $1,570 | $2,858-45.1% | $4,349-63.9% | $3,952-60.3% |
| Admin fee / account holder | $0 | $3,769-100.0% | $5,538-100.0% | $6,261-100.0% |