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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.
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 | $10,793 | $59,813-82.0% | $79,580-86.4% | $68,486-84.2% |
| Participation rate | 42.9% | 61.1%-18.2pp | 69.5%-26.6pp | 67.9%-25.0pp |
| Annual return | -24.60% | -12.30%-12.3pp | 0.15%-24.8pp | -7.85%-16.7pp |
| Employer contribution / active EE | $610 | $1,505-59.5% | $2,413-74.7% | $2,597-76.5% |
| Participant deferral / active EE | $3,574 | $3,024+18.2% | $3,985-10.3% | $4,028-11.3% |
| Admin fee / account holder | $105 | $4,835-97.8% | $6,835-98.5% | $5,404-98.0% |