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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $10,142 | $81,208-87.5% | $98,920-89.7% | $79,856-87.3% |
| Participation rate | 68.0% | 72.5%-4.5pp | 76.0%-8.0pp | 69.6%-1.6pp |
| Annual return | 33.88% | 60.99%-27.1pp | 196.47%-162.6pp | 31.71%+2.2pp |
| Employer contribution / active EE | $1,057 | $1,960-46.0% | $2,689-60.7% | $2,471-57.2% |
| Participant deferral / active EE | $2,943 | $3,265-9.9% | $4,245-30.7% | $3,741-21.3% |
| Admin fee / account holder | $194 | $6,013-96.8% | $6,643-97.1% | $5,306-96.4% |