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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,484 | $47,180-73.5% | $149,723-91.7% | $74,473-83.2% |
| Participation rate | 68.0% | 63.4%+4.6pp | 78.8%-10.8pp | 70.7%-2.7pp |
| Annual return | 14.04% | 22.75%-8.7pp | 134.50%-120.5pp | 34.36%-20.3pp |
| Employer contribution / active EE | $1,030 | $1,907-46.0% | $4,821-78.6% | $2,638-61.0% |
| Participant deferral / active EE | $0 | $2,730-100.0% | $5,682-100.0% | $4,530-100.0% |
| Admin fee / account holder | $159 | $343-53.6% | $13,215-98.8% | $347-54.1% |