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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,456 | $55,932-88.5% | $76,735-91.6% | $67,986-90.5% |
| Participation rate | 65.1% | 50.8%+14.3pp | 69.5%-4.4pp | 57.2%+7.9pp |
| Annual return | 19.64% | 23.10%-3.5pp | 29.77%-10.1pp | 31.67%-12.0pp |
| Employer contribution / active EE | $729 | $1,487-51.0% | $2,454-70.3% | $2,019-63.9% |
| Participant deferral / active EE | $971 | $2,558-62.0% | $4,088-76.2% | $3,358-71.1% |
| Admin fee / account holder | $38 | $4,907-99.2% | $7,189-99.5% | $3,203-98.8% |