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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 | $12,722 | $77,817-83.7% | $123,553-89.7% | $64,173-80.2% |
| Participation rate | 62.9% | 74.7%-11.9pp | 82.3%-19.4pp | 69.6%-6.7pp |
| Annual return | -7.33% | 12.49%-19.8pp | 119.21%-126.5pp | 7.63%-15.0pp |
| Employer contribution / active EE | $882 | $3,014-70.7% | $4,628-80.9% | $2,381-63.0% |
| Participant deferral / active EE | $2,420 | $5,240-53.8% | $6,426-62.3% | $3,470-30.2% |
| Admin fee / account holder | $111 | $5,519-98.0% | $9,284-98.8% | $4,887-97.7% |