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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 | $14,127 | $58,851-76.0% | $115,167-87.7% | $72,976-80.6% |
| Participation rate | 68.8% | 65.5%+3.2pp | 75.9%-7.2pp | 69.5%-0.7pp |
| Annual return | 24.53% | 23.16%+1.4pp | 35.60%-11.1pp | 81.02%-56.5pp |
| Employer contribution / active EE | $843 | $1,798-53.1% | $3,179-73.5% | $2,440-65.5% |
| Participant deferral / active EE | $1,166 | $2,643-55.9% | $4,169-72.0% | $3,608-67.7% |
| Admin fee / account holder | $6 | $6,370-99.9% | $7,089-99.9% | $5,124-99.9% |