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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 | $26,388 | $33,018-20.1% | $77,096-65.8% | $78,104-66.2% |
| Participation rate | 47.9% | 38.5%+9.4pp | 67.9%-20.0pp | 74.5%-26.6pp |
| Annual return | -12.61% | -7.47%-5.1pp | 42.35%-55.0pp | 10.90%-23.5pp |
| Employer contribution / active EE | $3,266 | $987+231.0% | $2,814+16.0% | $3,128+4.4% |
| Participant deferral / active EE | $950 | $2,365-59.8% | $4,429-78.6% | $5,089-81.3% |
| Admin fee / account holder | $4 | $108-96.8% | $5,428-99.9% | $79-95.5% |