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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 | $16,853 | $50,947-66.9% | $74,551-77.4% | $64,173-73.7% |
| Participation rate | 55.6% | 61.1%-5.5pp | 69.1%-13.6pp | 69.6%-14.0pp |
| Annual return | -10.94% | -1.85%-9.1pp | 32.53%-43.5pp | 7.63%-18.6pp |
| Employer contribution / active EE | $1,335 | $1,115+19.7% | $1,961-31.9% | $2,381-43.9% |
| Participant deferral / active EE | $2,347 | $2,302+2.0% | $3,108-24.5% | $3,470-32.4% |
| Admin fee / account holder | $213 | $4,221-94.9% | $5,059-95.8% | $4,887-95.6% |