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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 | $12,681 | $62,586-79.7% | $76,766-83.5% | $64,181-80.2% |
| Participation rate | 46.2% | 72.8%-26.7pp | 77.0%-30.8pp | 69.6%-23.4pp |
| Annual return | -0.12% | -1.95%+1.8pp | 2.43%-2.6pp | 7.63%-7.8pp |
| Employer contribution / active EE | $1,446 | $1,832-21.0% | $2,485-41.8% | $2,381-39.2% |
| Participant deferral / active EE | $2,493 | $3,145-20.7% | $3,851-35.3% | $3,470-28.2% |
| Admin fee / account holder | $142 | $4,667-97.0% | $6,675-97.9% | $4,887-97.1% |