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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 | $29,667-48.4% | $56,441-72.9% | $80,874-81.1% |
| Participation rate | 45.0% | 41.7%+3.3pp | 52.5%-7.5pp | 67.6%-22.6pp |
| Annual return | 5.05% | 35.22%-30.2pp | 1704.21%-1699.2pp | 35.62%-30.6pp |
| Employer contribution / active EE | $690 | $669+3.1% | $1,039-33.6% | $2,756-75.0% |
| Participant deferral / active EE | $1,525 | $1,227+24.3% | $1,953-21.9% | $4,297-64.5% |
| Admin fee / account holder | $45 | $2,429-98.1% | $2,829-98.4% | $6,935-99.3% |