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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 | $12,670 | $127,790-90.1% | $106,555-88.1% | $167,536-92.4% |
| Participation rate | 69.2% | 78.3%-9.0pp | 76.1%-6.9pp | 82.1%-12.9pp |
| Annual return | 24.37% | 33.88%-9.5pp | 26.80%-2.4pp | 478.82%-454.4pp |
| Employer contribution / active EE | $1,494 | $3,428-56.4% | $2,819-47.0% | $4,839-69.1% |
| Participant deferral / active EE | $3,407 | $5,088-33.0% | $4,399-22.6% | $6,342-46.3% |
| Admin fee / account holder | $90 | $11,229-99.2% | $7,408-98.8% | $12,315-99.3% |