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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 | $11,287 | $42,383-73.4% | $76,518-85.2% | $64,173-82.4% |
| Participation rate | 51.6% | 58.1%-6.5pp | 68.0%-16.3pp | 69.6%-17.9pp |
| Annual return | -28.46% | -16.54%-11.9pp | -0.27%-28.2pp | 7.63%-36.1pp |
| Employer contribution / active EE | $1,949 | $1,563+24.7% | $2,647-26.4% | $2,381-18.1% |
| Participant deferral / active EE | $3,128 | $2,566+21.9% | $3,836-18.5% | $3,470-9.9% |
| Admin fee / account holder | $272 | $3,198-91.5% | $4,849-94.4% | $4,887-94.4% |