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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 | $63,085 | $76,112-17.1% | $96,544-34.7% | $71,529-11.8% |
| Participation rate | 69.3% | 74.4%-5.1pp | 76.0%-6.7pp | 67.9%+1.3pp |
| Annual return | 12.09% | 22.80%-10.7pp | 25.88%-13.8pp | 28.97%-16.9pp |
| Employer contribution / active EE | $1,926 | $2,248-14.3% | $2,966-35.1% | $2,590-25.6% |
| Participant deferral / active EE | $3,362 | $4,217-20.3% | $4,851-30.7% | $4,291-21.7% |
| Admin fee / account holder | $0 | $2,708-100.0% | $8,254-100.0% | $1,588-100.0% |