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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.
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 | $69,643 | $106,164-34.4% | $147,041-52.6% | $77,692-10.4% |
| Participation rate | 37.3% | 78.4%-41.1pp | 82.2%-44.9pp | 70.6%-33.3pp |
| Annual return | 14.36% | 56.81%-42.5pp | 419.21%-404.8pp | 31.25%-16.9pp |
| Employer contribution / active EE | $0 | $4,066-100.0% | $4,935-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $6,367 | $7,993-20.3% | $8,071-21.1% | $4,648+37.0% |
| Admin fee / account holder | $46 | $338-86.3% | $13,006-99.6% | $431-89.3% |