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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 | $85,953 | $138,385-37.9% | $184,200-53.3% | $80,874+6.3% |
| Participation rate | 46.7% | 83.9%-37.2pp | 86.8%-40.2pp | 67.6%-21.0pp |
| Annual return | 10.68% | 20.02%-9.3pp | 28.80%-18.1pp | 35.62%-24.9pp |
| Employer contribution / active EE | $2,175 | $4,849-55.2% | $6,424-66.1% | $2,756-21.1% |
| Participant deferral / active EE | $3,612 | $7,073-48.9% | $9,132-60.4% | $4,297-15.9% |
| Admin fee / account holder | $267 | $10,483-97.4% | $13,907-98.1% | $6,935-96.1% |