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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 | $21,335 | $81,487-73.8% | $102,412-79.2% | $80,935-73.6% |
| Participation rate | 68.0% | 66.8%+1.2pp | 74.5%-6.5pp | 67.7%+0.3pp |
| Annual return | 11.99% | 25.60%-13.6pp | 24.94%-12.9pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,000 | $3,103-67.8% | $3,870-74.2% | $2,757-63.7% |
| Participant deferral / active EE | $2,724 | $3,871-29.6% | $5,060-46.2% | $4,299-36.6% |
| Admin fee / account holder | $112 | $6,717-98.3% | $8,388-98.7% | $6,924-98.4% |