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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 | $33,949 | $45,872-26.0% | $77,096-56.0% | $68,486-50.4% |
| Participation rate | 45.5% | 55.9%-10.5pp | 67.9%-22.5pp | 67.9%-22.4pp |
| Annual return | -17.74% | 1.73%-19.5pp | 42.35%-60.1pp | -7.85%-9.9pp |
| Employer contribution / active EE | $930 | $1,650-43.6% | $2,814-66.9% | $2,597-64.2% |
| Participant deferral / active EE | $2,666 | $2,963-10.0% | $4,429-39.8% | $4,028-33.8% |
| Admin fee / account holder | $284 | $3,041-90.7% | $5,428-94.8% | $5,404-94.7% |