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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 | $17,663 | $78,423-77.5% | $95,964-81.6% | $79,856-77.9% |
| Participation rate | 66.7% | 73.5%-6.8pp | 77.1%-10.4pp | 69.6%-3.0pp |
| Annual return | 23.63% | 19.37%+4.3pp | 91.64%-68.0pp | 31.71%-8.1pp |
| Employer contribution / active EE | $2,031 | $1,945+4.4% | $2,541-20.1% | $2,471-17.8% |
| Participant deferral / active EE | $2,735 | $3,440-20.5% | $4,167-34.4% | $3,741-26.9% |
| Admin fee / account holder | $275 | $5,622-95.1% | $6,797-96.0% | $5,306-94.8% |