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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 | $14,931 | $176,838-91.6% | $146,685-89.8% | $167,518-91.1% |
| Participation rate | 54.5% | 83.6%-29.1pp | 80.1%-25.5pp | 82.1%-27.6pp |
| Annual return | 23.73% | 24.04%-0.3pp | 22.75%+1.0pp | 478.71%-455.0pp |
| Employer contribution / active EE | $1,486 | $5,161-71.2% | $4,137-64.1% | $4,838-69.3% |
| Participant deferral / active EE | $3,724 | $6,441-42.2% | $5,507-32.4% | $6,342-41.3% |
| Admin fee / account holder | $44 | $13,262-99.7% | $10,281-99.6% | $12,312-99.6% |