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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 | $20,508 | $86,940-76.4% | $102,434-80.0% | $80,935-74.7% |
| Participation rate | 66.3% | 72.4%-6.1pp | 76.5%-10.2pp | 67.7%-1.4pp |
| Annual return | 21.97% | 18.89%+3.1pp | 29.46%-7.5pp | 35.66%-13.7pp |
| Employer contribution / active EE | $1,588 | $2,370-33.0% | $3,023-47.5% | $2,757-42.4% |
| Participant deferral / active EE | $3,336 | $4,121-19.1% | $5,055-34.0% | $4,299-22.4% |
| Admin fee / account holder | $141 | $8,047-98.2% | $9,462-98.5% | $6,924-98.0% |