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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 | $79,883 | $85,515-6.6% | $112,040-28.7% | $67,986+17.5% |
| Participation rate | 58.9% | 68.2%-9.3pp | 76.5%-17.6pp | 57.2%+1.7pp |
| Annual return | 10.78% | 29.68%-18.9pp | 24.52%-13.7pp | 31.67%-20.9pp |
| Employer contribution / active EE | $1,356 | $2,191-38.1% | $2,954-54.1% | $2,019-32.8% |
| Participant deferral / active EE | $2,359 | $4,014-41.2% | $5,098-53.7% | $3,358-29.8% |
| Admin fee / account holder | $0 | $3,774-100.0% | $12,098-100.0% | $3,203-100.0% |