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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $18,824 | $52,884-64.4% | $84,753-77.8% | $55,167-65.9% |
| Participation rate | 63.6% | 67.5%-3.9pp | 76.6%-13.0pp | 69.0%-5.4pp |
| Annual return | 7.77% | 18.03%-10.3pp | 22.78%-15.0pp | 169.23%-161.5pp |
| Employer contribution / active EE | $520 | $2,233-76.7% | $3,574-85.5% | $1,963-73.5% |
| Participant deferral / active EE | $1,280 | $2,644-51.6% | $3,712-65.5% | $3,054-58.1% |
| Admin fee / account holder | $69 | $581-88.1% | $5,333-98.7% | $504-86.3% |