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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 | $35,227 | $23,385+50.6% | $69,182-49.1% | $57,658-38.9% |
| Participation rate | 27.6% | 37.9%-10.3pp | 55.1%-27.5pp | 70.2%-42.6pp |
| Annual return | 6.14% | -659.34%+665.5pp | -21.93%+28.1pp | 5.13%+1.0pp |
| Employer contribution / active EE | $91 | $422-78.5% | $1,206-92.5% | $1,974-95.4% |
| Participant deferral / active EE | $470 | $843-44.2% | $1,897-75.2% | $3,061-84.6% |
| Admin fee / account holder | $0 | $82-100.0% | $2,697-100.0% | $95-100.0% |