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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 | $5,864 | $63,365-90.7% | $91,994-93.6% | $72,976-92.0% |
| Participation rate | 65.4% | 72.5%-7.1pp | 78.6%-13.2pp | 69.5%-4.1pp |
| Annual return | 35.95% | 35.35%+0.6pp | 69.04%-33.1pp | 81.02%-45.1pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,209 | $4,883-54.8% | $5,924-62.7% | $3,608-38.8% |
| Admin fee / account holder | $116 | $4,670-97.5% | $7,744-98.5% | $5,124-97.7% |