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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 | $15,224 | $32,117-52.6% | $71,089-78.6% | $64,173-76.3% |
| Participation rate | 22.7% | 42.7%-20.0pp | 54.6%-32.0pp | 69.6%-46.9pp |
| Annual return | -11.35% | -5.57%-5.8pp | 650.65%-662.0pp | 7.63%-19.0pp |
| Employer contribution / active EE | $350 | $712-50.9% | $1,088-67.8% | $2,381-85.3% |
| Participant deferral / active EE | $1,781 | $1,263+41.0% | $1,873-4.9% | $3,470-48.7% |
| Admin fee / account holder | $15 | $2,759-99.4% | $3,082-99.5% | $4,887-99.7% |