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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 | $21,496 | $65,961-67.4% | $180,320-88.1% | $94,015-77.1% |
| Participation rate | 20.7% | 61.3%-40.6pp | 71.5%-50.8pp | 70.8%-50.1pp |
| Annual return | 21.87% | 14.27%+7.6pp | 778.54%-756.7pp | 17.84%+4.0pp |
| Employer contribution / active EE | $811 | $1,737-53.3% | $4,108-80.3% | $2,790-70.9% |
| Participant deferral / active EE | $1,399 | $3,003-53.4% | $4,304-67.5% | $4,249-67.1% |
| Admin fee / account holder | $245 | $4,901-95.0% | $10,000-97.6% | $8,951-97.3% |