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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.
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 | $18,192 | $53,596-66.1% | $90,655-79.9% | $64,181-71.7% |
| Participation rate | 32.8% | 64.5%-31.8pp | 74.0%-41.3pp | 69.6%-36.8pp |
| Annual return | -9.47% | 4.41%-13.9pp | 1.89%-11.4pp | 7.63%-17.1pp |
| Employer contribution / active EE | $511 | $1,503-66.0% | $2,532-79.8% | $2,381-78.5% |
| Participant deferral / active EE | $1,934 | $2,459-21.3% | $3,425-43.5% | $3,470-44.3% |
| Admin fee / account holder | $52 | $3,868-98.6% | $4,994-99.0% | $4,887-98.9% |