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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 | $25,154 | $52,122-51.7% | $104,299-75.9% | $64,824-61.2% |
| Participation rate | 23.4% | 56.0%-32.6pp | 73.3%-49.8pp | 71.5%-48.0pp |
| Annual return | -18.46% | 13.26%-31.7pp | 24.62%-43.1pp | 32.84%-51.3pp |
| Employer contribution / active EE | $583 | $1,627-64.2% | $3,373-82.7% | $2,507-76.7% |
| Participant deferral / active EE | $1,378 | $2,823-51.2% | $4,626-70.2% | $4,311-68.0% |
| Admin fee / account holder | $36 | $155-76.6% | $7,339-99.5% | $188-80.7% |