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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 | $38,666 | $52,836-26.8% | $105,736-63.4% | $64,173-39.7% |
| Participation rate | 53.5% | 66.5%-13.1pp | 76.3%-22.8pp | 69.6%-16.1pp |
| Annual return | -8.58% | 14.30%-22.9pp | 6.27%-14.9pp | 7.63%-16.2pp |
| Employer contribution / active EE | $789 | $1,827-56.8% | $3,268-75.9% | $2,381-66.9% |
| Participant deferral / active EE | $2,678 | $2,545+5.2% | $4,080-34.4% | $3,470-22.8% |
| Admin fee / account holder | $108 | $3,959-97.3% | $6,913-98.4% | $4,887-97.8% |