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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $115,405 | $101,795+13.4% | $165,100-30.1% | $80,959+42.5% |
| Participation rate | 13.3% | 71.8%-58.5pp | 78.6%-65.3pp | 67.7%-54.3pp |
| Annual return | 12.36% | 16.73%-4.4pp | 70.21%-57.9pp | 35.67%-23.3pp |
| Employer contribution / active EE | $761 | $2,954-74.2% | $4,348-82.5% | $2,757-72.4% |
| Participant deferral / active EE | $2,255 | $4,476-49.6% | $6,035-62.6% | $4,300-47.6% |
| Admin fee / account holder | $20 | $8,221-99.8% | $12,696-99.8% | $6,925-99.7% |