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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 | $88,941 | $73,009+21.8% | $90,760-2.0% | $68,486+29.9% |
| Participation rate | 35.7% | 70.8%-35.1pp | 75.7%-40.0pp | 67.9%-32.2pp |
| Annual return | -21.29% | -13.81%-7.5pp | -12.16%-9.1pp | -7.85%-13.4pp |
| Employer contribution / active EE | $739 | $2,193-66.3% | $2,922-74.7% | $2,597-71.5% |
| Participant deferral / active EE | $1,986 | $3,626-45.2% | $4,565-56.5% | $4,028-50.7% |
| Admin fee / account holder | $268 | $5,896-95.5% | $8,444-96.8% | $5,404-95.0% |