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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $15,864 | $127,386-87.5% | $115,037-86.2% | $125,388-87.3% |
| Participation rate | 64.7% | 84.2%-19.5pp | 81.4%-16.7pp | 83.2%-18.5pp |
| Annual return | -5.55% | 31.28%-36.8pp | 26.14%-31.7pp | 282.24%-287.8pp |
| Employer contribution / active EE | $4,819 | $5,166-6.7% | $4,608+4.6% | $4,866-1.0% |
| Participant deferral / active EE | $3,854 | $6,423-40.0% | $6,026-36.0% | $5,352-28.0% |
| Admin fee / account holder | $108 | $9,516-98.9% | $8,175-98.7% | $9,541-98.9% |