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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 | $33,107 | $29,525+12.1% | $56,033-40.9% | $77,736-57.4% |
| Participation rate | 35.3% | 32.7%+2.7pp | 52.5%-17.2pp | 70.6%-35.3pp |
| Annual return | 16.14% | 18.90%-2.8pp | 1711.38%-1695.2pp | 31.26%-15.1pp |
| Employer contribution / active EE | $325 | $569-42.9% | $1,041-68.8% | $2,728-88.1% |
| Participant deferral / active EE | $787 | $1,062-25.9% | $1,954-59.7% | $4,651-83.1% |
| Admin fee / account holder | $40 | $1,040-96.2% | $2,827-98.6% | $433-90.9% |