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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.
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 | $25,636 | $180,462-85.8% | $154,111-83.4% | $135,379-81.1% |
| Participation rate | 62.5% | 87.4%-24.9pp | 83.0%-20.5pp | 82.6%-20.1pp |
| Annual return | -15.22% | 888.17%-903.4pp | 735.18%-750.4pp | 519.79%-535.0pp |
| Employer contribution / active EE | $2,222 | $6,036-63.2% | $5,298-58.1% | $4,779-53.5% |
| Participant deferral / active EE | $5,670 | $5,806-2.3% | $5,081+11.6% | $5,609+1.1% |
| Admin fee / account holder | $260 | $16,145-98.4% | $13,411-98.1% | $10,828-97.6% |