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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 | $2,186 | $53,596-95.9% | $90,657-97.6% | $64,173-96.6% |
| Participation rate | 56.1% | 64.5%-8.4pp | 74.0%-17.9pp | 69.6%-13.4pp |
| Annual return | -22.21% | 4.41%-26.6pp | 1.89%-24.1pp | 7.63%-29.8pp |
| Employer contribution / active EE | $440 | $1,503-70.7% | $2,532-82.6% | $2,381-81.5% |
| Participant deferral / active EE | $1,198 | $2,459-51.3% | $3,424-65.0% | $3,470-65.5% |
| Admin fee / account holder | $88 | $3,868-97.7% | $4,994-98.2% | $4,887-98.2% |