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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 | $24,500 | $102,385-76.1% | $147,080-83.3% | $80,935-69.7% |
| Participation rate | 63.6% | 75.9%-12.2pp | 82.2%-18.5pp | 67.7%-4.0pp |
| Annual return | 19.82% | 135.09%-115.3pp | 420.17%-400.3pp | 35.66%-15.8pp |
| Employer contribution / active EE | $5,154 | $3,717+38.7% | $4,933+4.5% | $2,757+87.0% |
| Participant deferral / active EE | $3,602 | $6,651-45.8% | $8,066-55.3% | $4,299-16.2% |
| Admin fee / account holder | $87 | $7,951-98.9% | $12,989-99.3% | $6,924-98.7% |