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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,733 | $38,032-35.0% | $87,502-71.7% | $329,111-92.5% |
| Participation rate | 51.8% | 43.3%+8.5pp | 73.8%-22.0pp | 67.9%-16.0pp |
| Annual return | -3.63% | 7.09%-10.7pp | 12.21%-15.8pp | 16.35%-20.0pp |
| Employer contribution / active EE | $644 | $677-4.9% | $2,550-74.8% | $2,303-72.1% |
| Participant deferral / active EE | $1,028 | $1,260-18.4% | $3,149-67.3% | $3,682-72.1% |
| Admin fee / account holder | $0 | $50-100.0% | $4,221-100.0% | $754-100.0% |