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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 | $13,870 | $190,916-92.7% | $160,037-91.3% | $134,545-89.7% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.0%-18.0pp | 81.2%-21.2pp |
| Annual return | -22.06% | 552.79%-574.8pp | 408.95%-431.0pp | 418.37%-440.4pp |
| Employer contribution / active EE | $1,328 | $4,996-73.4% | $4,226-68.6% | $4,742-72.0% |
| Participant deferral / active EE | $5,334 | $6,925-23.0% | $6,184-13.7% | $6,401-16.7% |
| Admin fee / account holder | $180 | $10,497-98.3% | $8,716-97.9% | $11,431-98.4% |