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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 | $79,867-66.5% | $120,344-77.7% | $64,340-58.4% |
| Participation rate | 47.8% | 63.0%-15.2pp | 76.7%-28.9pp | 55.2%-7.5pp |
| Annual return | 21.18% | 21.10%+0.1pp | 20.30%+0.9pp | 24.14%-3.0pp |
| Employer contribution / active EE | $915 | $1,925-52.5% | $3,020-69.7% | $1,862-50.9% |
| Participant deferral / active EE | $1,860 | $3,593-48.2% | $5,135-63.8% | $2,980-37.6% |
| Admin fee / account holder | $122 | $5,039-97.6% | $12,742-99.0% | $3,703-96.7% |