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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 | $83,668 | $59,467+40.7% | $93,727-10.7% | $74,478+12.3% |
| Participation rate | 54.0% | 59.6%-5.6pp | 68.7%-14.7pp | 67.2%-13.3pp |
| Annual return | 13.00% | 82.14%-69.1pp | 133.83%-120.8pp | 1370.56%-1357.6pp |
| Employer contribution / active EE | $483 | $1,267-61.9% | $2,421-80.1% | $2,626-81.6% |
| Participant deferral / active EE | $3,902 | $3,052+27.9% | $4,417-11.7% | $4,350-10.3% |
| Admin fee / account holder | $49 | $3,028-98.4% | $8,292-99.4% | $1,946-97.5% |