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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 | $36,482 | $27,632+32.0% | $61,452-40.6% | $68,486-46.7% |
| Participation rate | 14.7% | 39.5%-24.8pp | 52.6%-37.9pp | 67.9%-53.2pp |
| Annual return | -21.33% | -13.24%-8.1pp | 338.96%-360.3pp | -7.85%-13.5pp |
| Employer contribution / active EE | $198 | $696-71.5% | $1,160-82.9% | $2,597-92.4% |
| Participant deferral / active EE | $1,474 | $1,264+16.6% | $2,125-30.6% | $4,028-63.4% |
| Admin fee / account holder | $11 | $2,010-99.5% | $2,131-99.5% | $5,404-99.8% |