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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 | $10,701 | $28,416-62.3% | $73,545-85.5% | $69,631-84.6% |
| Participation rate | 57.6% | 38.3%+19.3pp | 54.9%+2.7pp | 70.7%-13.1pp |
| Annual return | 22.79% | -694.13%+716.9pp | -15.16%+38.0pp | 27571.02%-27548.2pp |
| Employer contribution / active EE | $295 | $430-31.5% | $1,219-75.8% | $2,032-85.5% |
| Participant deferral / active EE | $652 | $897-27.3% | $1,806-63.9% | $3,224-79.8% |
| Admin fee / account holder | $14 | $104-86.5% | $2,320-99.4% | $110-87.3% |