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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.
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 | $5,705 | $53,546-89.3% | $69,890-91.8% | $68,490-91.7% |
| Participation rate | 69.1% | 64.5%+4.6pp | 70.5%-1.4pp | 67.9%+1.2pp |
| Annual return | -30.73% | -13.87%-16.9pp | 190.84%-221.6pp | -7.85%-22.9pp |
| Employer contribution / active EE | $1,734 | $2,019-14.1% | $2,560-32.3% | $2,597-33.2% |
| Participant deferral / active EE | $2,081 | $2,957-29.6% | $3,848-45.9% | $4,028-48.3% |
| Admin fee / account holder | $103 | $4,693-97.8% | $6,267-98.4% | $5,403-98.1% |