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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 | $15,307 | $29,716-48.5% | $56,077-72.7% | $80,925-81.1% |
| Participation rate | 45.0% | 41.7%+3.3pp | 52.5%-7.5pp | 67.7%-22.7pp |
| Annual return | 5.05% | 35.30%-30.2pp | 1709.28%-1704.2pp | 35.65%-30.6pp |
| Employer contribution / active EE | $690 | $671+2.8% | $1,040-33.7% | $2,756-75.0% |
| Participant deferral / active EE | $1,525 | $1,228+24.1% | $1,954-22.0% | $4,299-64.5% |
| Admin fee / account holder | $45 | $2,432-98.1% | $2,825-98.4% | $6,940-99.3% |