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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $45,819 | $60,128-23.8% | $90,440-49.3% | $79,852-42.6% |
| Participation rate | 68.0% | 65.0%+3.0pp | 72.7%-4.7pp | 69.6%-1.6pp |
| Annual return | 8.53% | 71.95%-63.4pp | 1294.38%-1285.8pp | 31.72%-23.2pp |
| Employer contribution / active EE | $366 | $2,068-82.3% | $3,263-88.8% | $2,471-85.2% |
| Participant deferral / active EE | $3,120 | $2,939+6.2% | $3,964-21.3% | $3,740-16.6% |
| Admin fee / account holder | $216 | $3,977-94.6% | $5,615-96.2% | $5,306-95.9% |