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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 | $13,021 | $73,988-82.4% | $96,538-86.5% | $75,177-82.7% |
| Participation rate | 56.3% | 66.4%-10.2pp | 74.3%-18.1pp | 67.2%-11.0pp |
| Annual return | 27.37% | 26.73%+0.6pp | 35.74%-8.4pp | 160.75%-133.4pp |
| Employer contribution / active EE | $1,559 | $2,930-46.8% | $3,740-58.3% | $2,671-41.6% |
| Participant deferral / active EE | $2,941 | $3,660-19.7% | $4,880-39.7% | $4,126-28.7% |
| Admin fee / account holder | $268 | $5,220-94.9% | $6,737-96.0% | $5,651-95.3% |