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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 | $12,373 | $31,370-60.6% | $74,577-83.4% | $63,975-80.7% |
| Participation rate | 22.9% | 42.6%-19.6pp | 68.1%-45.2pp | 71.1%-48.2pp |
| Annual return | 4.55% | -105.16%+109.7pp | 20.47%-15.9pp | 48.65%-44.1pp |
| Employer contribution / active EE | $934 | $822+13.6% | $2,525-63.0% | $2,182-57.2% |
| Participant deferral / active EE | $164 | $1,560-89.5% | $3,458-95.3% | $3,356-95.1% |
| Admin fee / account holder | $0 | $77-100.0% | $4,138-100.0% | $70-100.0% |