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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $6,680 | $34,634-80.7% | $77,100-91.3% | $64,824-89.7% |
| Participation rate | 5.5% | 49.8%-44.3pp | 67.9%-62.4pp | 71.5%-65.9pp |
| Annual return | -18.11% | -5.31%-12.8pp | 42.35%-60.5pp | 32.84%-51.0pp |
| Employer contribution / active EE | $0 | $1,385-100.0% | $2,815-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $211 | $2,553-91.7% | $4,430-95.2% | $4,311-95.1% |
| Admin fee / account holder | $56 | $178-68.5% | $5,443-99.0% | $188-70.1% |