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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 | $26,792 | $85,515-68.7% | $112,040-76.1% | $67,986-60.6% |
| Participation rate | 47.8% | 68.2%-20.4pp | 76.5%-28.7pp | 57.2%-9.4pp |
| Annual return | 21.18% | 29.68%-8.5pp | 24.52%-3.3pp | 31.67%-10.5pp |
| Employer contribution / active EE | $915 | $2,191-58.3% | $2,954-69.0% | $2,019-54.7% |
| Participant deferral / active EE | $1,860 | $4,014-53.7% | $5,098-63.5% | $3,358-44.6% |
| Admin fee / account holder | $122 | $3,774-96.8% | $12,098-99.0% | $3,203-96.2% |