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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $12,839 | $48,313-73.4% | $73,309-82.5% | $52,331-75.5% |
| Participation rate | 69.6% | 68.6%+1.1pp | 74.9%-5.3pp | 68.1%+1.5pp |
| Annual return | -1.52% | 3.85%-5.4pp | 5.67%-7.2pp | 4.54%-6.1pp |
| Employer contribution / active EE | $1,040 | $1,661-37.4% | $3,237-67.9% | $1,882-44.7% |
| Participant deferral / active EE | $4,157 | $4,189-0.7% | $4,991-16.7% | $3,022+37.6% |
| Admin fee / account holder | $14 | $404-96.4% | $5,635-99.7% | $592-97.6% |