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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.
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 | $105,424 | $86,922+21.3% | $102,438+2.9% | $80,874+30.4% |
| Participation rate | 63.6% | 72.4%-8.7pp | 76.5%-12.9pp | 67.6%-4.0pp |
| Annual return | 10.37% | 18.90%-8.5pp | 29.37%-19.0pp | 35.62%-25.2pp |
| Employer contribution / active EE | $798 | $2,369-66.3% | $3,024-73.6% | $2,756-71.0% |
| Participant deferral / active EE | $2,882 | $4,119-30.0% | $5,054-43.0% | $4,297-32.9% |
| Admin fee / account holder | $279 | $8,050-96.5% | $9,448-97.1% | $6,935-96.0% |