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 | $95,977 | $89,497+7.2% | $69,888+37.3% | $78,104+22.9% |
| Participation rate | 64.9% | 79.9%-15.0pp | 70.5%-5.6pp | 74.5%-9.6pp |
| Annual return | -17.19% | -12.39%-4.8pp | 190.87%-208.1pp | 10.90%-28.1pp |
| Employer contribution / active EE | $1,776 | $3,152-43.7% | $2,560-30.6% | $3,128-43.2% |
| Participant deferral / active EE | $3,695 | $4,564-19.0% | $3,849-4.0% | $5,089-27.4% |
| Admin fee / account holder | $57 | $78-27.2% | $6,267-99.1% | $79-28.3% |