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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $14,946 | $57,739-74.1% | $112,273-86.7% | $74,460-79.9% |
| Participation rate | 60.0% | 55.6%+4.4pp | 72.4%-12.4pp | 70.7%-10.7pp |
| Annual return | 22.19% | 19.52%+2.7pp | 30.23%-8.0pp | 34.38%-12.2pp |
| Employer contribution / active EE | $958 | $1,675-42.8% | $3,431-72.1% | $2,638-63.7% |
| Participant deferral / active EE | $1,565 | $2,891-45.9% | $4,800-67.4% | $4,530-65.5% |
| Admin fee / account holder | $79 | $462-82.8% | $7,752-99.0% | $348-77.2% |