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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.
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 | $18,837 | $27,943-32.6% | $58,507-67.8% | $75,177-74.9% |
| Participation rate | 54.2% | 38.8%+15.4pp | 50.9%+3.4pp | 67.2%-13.0pp |
| Annual return | 8.83% | 44.22%-35.4pp | 4252.32%-4243.5pp | 160.75%-151.9pp |
| Employer contribution / active EE | $3,123 | $670+366.4% | $1,053+196.5% | $2,671+16.9% |
| Participant deferral / active EE | $605 | $1,202-49.7% | $1,922-68.5% | $4,126-85.3% |
| Admin fee / account holder | $115 | $1,727-93.3% | $2,486-95.4% | $5,651-98.0% |