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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 | $18,797 | $29,507-36.3% | $56,025-66.4% | $77,762-75.8% |
| Participation rate | 6.9% | 32.7%-25.8pp | 52.5%-45.6pp | 70.6%-63.7pp |
| Annual return | 2.85% | 18.90%-16.0pp | 1712.69%-1709.8pp | 31.27%-28.4pp |
| Employer contribution / active EE | $290 | $570-49.2% | $1,042-72.2% | $2,728-89.4% |
| Participant deferral / active EE | $540 | $1,062-49.1% | $1,955-72.4% | $4,651-88.4% |
| Admin fee / account holder | $65 | $1,041-93.8% | $2,828-97.7% | $433-85.0% |