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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 | $59,456+40.7% | $93,669-10.7% | $74,429+12.4% |
| Participation rate | 54.0% | 59.6%-5.7pp | 68.7%-14.8pp | 67.2%-13.2pp |
| Annual return | 13.00% | 82.00%-69.0pp | 133.59%-120.6pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $483 | $1,266-61.8% | $2,424-80.1% | $2,625-81.6% |
| Participant deferral / active EE | $3,902 | $3,052+27.9% | $4,416-11.6% | $4,348-10.3% |
| Admin fee / account holder | $49 | $3,026-98.4% | $8,291-99.4% | $1,944-97.5% |