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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 | $10,080 | $61,815-83.7% | $97,295-89.6% | $80,959-87.5% |
| Participation rate | 59.4% | 63.5%-4.1pp | 72.7%-13.3pp | 67.7%-8.3pp |
| Annual return | 14.40% | -558.73%+573.1pp | 75.62%-61.2pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,394 | $1,836-24.1% | $2,723-48.8% | $2,757-49.5% |
| Participant deferral / active EE | $1,971 | $3,027-34.9% | $4,264-53.8% | $4,300-54.2% |
| Admin fee / account holder | $75 | $5,166-98.6% | $5,646-98.7% | $6,925-98.9% |