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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.
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 | $26,006 | $198,457-86.9% | $170,435-84.7% | $147,586-82.4% |
| Participation rate | 36.4% | 88.0%-51.6pp | 83.6%-47.2pp | 82.8%-46.5pp |
| Annual return | 35.33% | 257.30%-222.0pp | 205.94%-170.6pp | 578.59%-543.3pp |
| Employer contribution / active EE | $1,260 | $6,183-79.6% | $5,432-76.8% | $4,876-74.2% |
| Participant deferral / active EE | $2,749 | $5,629-51.2% | $4,939-44.3% | $5,439-49.5% |
| Admin fee / account holder | $248 | $16,852-98.5% | $13,881-98.2% | $10,886-97.7% |