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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 | $9,126 | $69,012-86.8% | $160,009-94.3% | $68,486-86.7% |
| Participation rate | 54.2% | 65.4%-11.3pp | 78.0%-23.8pp | 67.9%-13.7pp |
| Annual return | -15.03% | -9.65%-5.4pp | 408.85%-423.9pp | -7.85%-7.2pp |
| Employer contribution / active EE | $910 | $2,212-58.8% | $4,225-78.5% | $2,597-64.9% |
| Participant deferral / active EE | $1,624 | $4,212-61.4% | $6,183-73.7% | $4,028-59.7% |
| Admin fee / account holder | $73 | $4,798-98.5% | $8,715-99.2% | $5,404-98.7% |