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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.
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 | $19,020 | $73,988-74.3% | $96,538-80.3% | $75,177-74.7% |
| Participation rate | 53.6% | 66.4%-12.9pp | 74.3%-20.8pp | 67.2%-13.6pp |
| Annual return | 16.07% | 26.73%-10.7pp | 35.74%-19.7pp | 160.75%-144.7pp |
| Employer contribution / active EE | $1,001 | $2,930-65.8% | $3,740-73.2% | $2,671-62.5% |
| Participant deferral / active EE | $2,567 | $3,660-29.9% | $4,880-47.4% | $4,126-37.8% |
| Admin fee / account holder | $245 | $5,220-95.3% | $6,737-96.4% | $5,651-95.7% |