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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 | $23,063 | $71,873-67.9% | $86,698-73.4% | $68,490-66.3% |
| Participation rate | 68.5% | 72.2%-3.8pp | 76.6%-8.1pp | 67.9%+0.6pp |
| Annual return | -17.15% | 3.54%-20.7pp | 35.96%-53.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,965 | $2,173+36.4% | $2,837+4.5% | $2,597+14.2% |
| Participant deferral / active EE | $3,643 | $3,779-3.6% | $4,656-21.8% | $4,028-9.6% |
| Admin fee / account holder | $229 | $6,110-96.2% | $7,492-96.9% | $5,403-95.8% |