A saved surplus indicates you had “Excess Income” – income that was not spent on specified expenses. And, you have told the system where to save that money...
An unsaved surplus (also called “Excess Income”) indicates you may have excess income that is not being saved and is assumed to be spent.
You have control over your unsaved surplus. The percent of excess income to be saved can be configured in My Plan > Work and Other Income
A funded gap indicates that your total expenses for the year exceed your income and the system withdrew funds from available savings to cover the difference.
If you have an unfunded gap, it indicates that your total expenses for the year exceed your income and you have exhausted all available savings – there is nothing left to withdraw to cover the difference
In this case, the system accrues “Lifetime Debt” within your plan. Lifetime debt indicates the amount of debt you would theoretically accrue. In other words, lifetime debt is exactly how much you are living beyond your means.