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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 | $29,554+12.0% | $56,054-40.9% | $77,692-57.4% |
| Participation rate | 35.3% | 32.6%+2.7pp | 52.5%-17.2pp | 70.6%-35.3pp |
| Annual return | 16.14% | 18.89%-2.8pp | 1705.95%-1689.8pp | 31.25%-15.1pp |
| Employer contribution / active EE | $325 | $568-42.8% | $1,039-68.7% | $2,726-88.1% |
| Participant deferral / active EE | $787 | $1,061-25.8% | $1,952-59.7% | $4,648-83.1% |
| Admin fee / account holder | $40 | $1,046-96.2% | $2,822-98.6% | $431-90.8% |