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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 | $44,579 | $44,714-0.3% | $91,225-51.1% | $66,938-33.4% |
| Participation rate | 57.0% | 65.0%-8.0pp | 73.2%-16.2pp | 69.8%-12.8pp |
| Annual return | -18.57% | -12.25%-6.3pp | 114.12%-132.7pp | 1.58%-20.1pp |
| Employer contribution / active EE | $1,585 | $1,710-7.3% | $2,851-44.4% | $2,545-37.7% |
| Participant deferral / active EE | $3,039 | $3,355-9.4% | $4,233-28.2% | $4,238-28.3% |
| Admin fee / account holder | $41 | $521-92.2% | $5,422-99.3% | $594-93.2% |