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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 | $12,024 | $52,836-77.2% | $105,736-88.6% | $64,173-81.3% |
| Participation rate | 32.8% | 66.5%-33.8pp | 76.3%-43.6pp | 69.6%-36.8pp |
| Annual return | -14.47% | 14.30%-28.8pp | 6.27%-20.7pp | 7.63%-22.1pp |
| Employer contribution / active EE | $780 | $1,827-57.3% | $3,268-76.1% | $2,381-67.2% |
| Participant deferral / active EE | $1,686 | $2,545-33.7% | $4,080-58.7% | $3,470-51.4% |
| Admin fee / account holder | $271 | $3,959-93.2% | $6,913-96.1% | $4,887-94.5% |