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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 | $2,781 | $76,407-96.4% | $150,298-98.1% | $82,448-96.6% |
| Participation rate | 69.4% | 66.4%+3.0pp | 77.8%-8.3pp | 68.1%+1.4pp |
| Annual return | 28.32% | 39.99%-11.7pp | 62.79%-34.5pp | 41.64%-13.3pp |
| Employer contribution / active EE | $592 | $2,614-77.3% | $4,154-85.7% | $2,551-76.8% |
| Participant deferral / active EE | $1,113 | $3,214-65.4% | $5,453-79.6% | $4,139-73.1% |
| Admin fee / account holder | $147 | $6,352-97.7% | $14,116-99.0% | $7,234-98.0% |