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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 | $7,366 | $56,894-87.1% | $84,753-91.3% | $62,881-88.3% |
| Participation rate | 59.3% | 68.5%-9.3pp | 76.6%-17.3pp | 69.3%-10.0pp |
| Annual return | 25.96% | 6.30%+19.7pp | 22.78%+3.2pp | 20.14%+5.8pp |
| Employer contribution / active EE | $1,272 | $2,400-47.0% | $3,574-64.4% | $2,281-44.2% |
| Participant deferral / active EE | $2,025 | $2,709-25.2% | $3,712-45.4% | $3,203-36.8% |
| Admin fee / account holder | $183 | $3,581-94.9% | $5,333-96.6% | $4,296-95.8% |