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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 | $32,395 | $51,226-36.8% | $82,744-60.8% | $66,938-51.6% |
| Participation rate | 68.5% | 67.9%+0.6pp | 72.6%-4.1pp | 69.8%-1.3pp |
| Annual return | -18.52% | -9.61%-8.9pp | 702.22%-720.7pp | 1.58%-20.1pp |
| Employer contribution / active EE | $2,102 | $2,612-19.5% | $3,008-30.1% | $2,545-17.4% |
| Participant deferral / active EE | $3,330 | $3,460-3.8% | $4,395-24.2% | $4,238-21.4% |
| Admin fee / account holder | $4 | $416-99.0% | $5,325-99.9% | $594-99.3% |