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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 | $18,754 | $76,834-75.6% | $108,359-82.7% | $87,485-78.6% |
| Participation rate | 55.0% | 61.7%-6.7pp | 70.1%-15.1pp | 68.9%-13.9pp |
| Annual return | 51.33% | 19.09%+32.2pp | 36.89%+14.4pp | 26.06%+25.3pp |
| Employer contribution / active EE | $1,716 | $1,556+10.3% | $2,399-28.5% | $2,596-33.9% |
| Participant deferral / active EE | $2,962 | $3,100-4.5% | $4,137-28.4% | $4,274-30.7% |
| Admin fee / account holder | -$1,211 | $6,537-118.5% | $9,741-112.4% | $7,775-115.6% |