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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 | $6,767 | $73,787-90.8% | $98,716-93.1% | $82,448-91.8% |
| Participation rate | 68.4% | 61.4%+7.0pp | 69.3%-0.9pp | 68.1%+0.4pp |
| Annual return | 19.88% | 18.57%+1.3pp | 31.81%-11.9pp | 41.64%-21.8pp |
| Employer contribution / active EE | $643 | $1,511-57.5% | $2,279-71.8% | $2,551-74.8% |
| Participant deferral / active EE | $1,786 | $3,081-42.0% | $4,048-55.9% | $4,139-56.8% |
| Admin fee / account holder | $77 | $6,500-98.8% | $8,703-99.1% | $7,234-98.9% |