Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $117,488 | $111,651+5.2% | $86,645+35.6% | $101,555+15.7% |
| Participation rate | 68.2% | 83.2%-15.0pp | 71.7%-3.4pp | 74.5%-6.3pp |
| Annual return | 12.36% | 19.55%-7.2pp | 63.52%-51.2pp | 21.00%-8.6pp |
| Employer contribution / active EE | $1,918 | $3,410-43.7% | $2,496-23.1% | $2,972-35.5% |
| Participant deferral / active EE | $3,671 | $4,831-24.0% | $3,700-0.8% | $4,874-24.7% |
| Admin fee / account holder | $20 | $79-74.3% | $5,830-99.7% | $139-85.4% |