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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 | $16,707 | $73,978-77.4% | $96,515-82.7% | $75,173-77.8% |
| Participation rate | 45.1% | 66.4%-21.4pp | 74.3%-29.3pp | 67.2%-22.1pp |
| Annual return | 27.70% | 26.72%+1.0pp | 35.73%-8.0pp | 160.72%-133.0pp |
| Employer contribution / active EE | $1,303 | $2,931-55.5% | $3,740-65.2% | $2,671-51.2% |
| Participant deferral / active EE | $1,897 | $3,660-48.2% | $4,880-61.1% | $4,126-54.0% |
| Admin fee / account holder | $256 | $5,219-95.1% | $6,735-96.2% | $5,651-95.5% |