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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,165 | $42,383-85.5% | $76,518-91.9% | $64,173-90.4% |
| Participation rate | 66.7% | 58.1%+8.5pp | 68.0%-1.3pp | 69.6%-2.9pp |
| Annual return | -10.32% | -16.54%+6.2pp | -0.27%-10.1pp | 7.63%-18.0pp |
| Employer contribution / active EE | $349 | $1,563-77.7% | $2,647-86.8% | $2,381-85.4% |
| Participant deferral / active EE | $1,988 | $2,566-22.5% | $3,836-48.2% | $3,470-42.7% |
| Admin fee / account holder | $90 | $3,198-97.2% | $4,849-98.1% | $4,887-98.2% |