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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 | $35,613 | $22,714+56.8% | $59,496-40.1% | $55,191-35.5% |
| Participation rate | 31.9% | 37.5%-5.6pp | 54.6%-22.7pp | 69.2%-37.3pp |
| Annual return | 3.05% | -44.01%+47.1pp | 182.05%-179.0pp | 10.78%-7.7pp |
| Employer contribution / active EE | $92 | $418-77.9% | $1,153-92.0% | $1,899-95.1% |
| Participant deferral / active EE | $505 | $843-40.1% | $1,829-72.4% | $3,046-83.4% |
| Admin fee / account holder | $0 | $83-100.0% | $2,232-100.0% | $91-100.0% |