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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 | $9,569 | $76,371-87.5% | $93,621-89.8% | $72,976-86.9% |
| Participation rate | 65.5% | 71.8%-6.2pp | 75.8%-10.3pp | 69.5%-4.0pp |
| Annual return | 38.60% | 25.82%+12.8pp | 32.76%+5.8pp | 81.02%-42.4pp |
| Employer contribution / active EE | $1,888 | $2,276-17.0% | $2,719-30.6% | $2,440-22.6% |
| Participant deferral / active EE | $1,878 | $3,538-46.9% | $4,070-53.9% | $3,608-47.9% |
| Admin fee / account holder | $83 | $6,839-98.8% | $7,890-98.9% | $5,124-98.4% |