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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,044 | $59,834-21.4% | $79,576-40.9% | $68,495-31.3% |
| Participation rate | 39.2% | 61.1%-21.9pp | 69.5%-30.3pp | 67.9%-28.7pp |
| Annual return | -9.55% | -12.30%+2.8pp | 0.15%-9.7pp | -7.84%-1.7pp |
| Employer contribution / active EE | $1,583 | $1,505+5.2% | $2,413-34.4% | $2,596-39.0% |
| Participant deferral / active EE | $2,642 | $3,024-12.6% | $3,985-33.7% | $4,028-34.4% |
| Admin fee / account holder | $8 | $4,835-99.8% | $6,834-99.9% | $5,403-99.8% |