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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 | $35,114 | $138,366-74.6% | $184,185-80.9% | $80,911-56.6% |
| Participation rate | 65.7% | 83.9%-18.2pp | 86.8%-21.1pp | 67.6%-1.9pp |
| Annual return | 19.59% | 20.02%-0.4pp | 28.81%-9.2pp | 35.63%-16.0pp |
| Employer contribution / active EE | $3,164 | $4,849-34.7% | $6,426-50.8% | $2,756+14.8% |
| Participant deferral / active EE | $8,828 | $7,074+24.8% | $9,132-3.3% | $4,297+105.4% |
| Admin fee / account holder | $82 | $10,484-99.2% | $13,909-99.4% | $6,935-98.8% |