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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 | $18,663 | $72,273-74.2% | $101,275-81.6% | $79,856-76.6% |
| Participation rate | 47.4% | 68.5%-21.1pp | 75.8%-28.4pp | 69.6%-22.3pp |
| Annual return | 14.46% | 22.30%-7.8pp | 46.48%-32.0pp | 31.71%-17.3pp |
| Employer contribution / active EE | $1,294 | $2,691-51.9% | $3,660-64.6% | $2,471-47.6% |
| Participant deferral / active EE | $3,107 | $3,282-5.3% | $4,371-28.9% | $3,741-16.9% |
| Admin fee / account holder | $269 | $4,401-93.9% | $5,948-95.5% | $5,306-94.9% |