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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 | $16,684 | $67,602-75.3% | $82,312-79.7% | $70,126-76.2% |
| Participation rate | 29.6% | 72.8%-43.1pp | 76.9%-47.3pp | 69.5%-39.9pp |
| Annual return | 26.42% | 21.57%+4.9pp | 25.88%+0.5pp | 73.15%-46.7pp |
| Employer contribution / active EE | $1,651 | $1,755-5.9% | $2,428-32.0% | $2,343-29.5% |
| Participant deferral / active EE | $1,657 | $2,987-44.5% | $3,706-55.3% | $3,332-50.3% |
| Admin fee / account holder | $189 | $4,512-95.8% | $5,608-96.6% | $4,645-95.9% |