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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 | $19,089 | $81,504-76.6% | $102,437-81.4% | $80,959-76.4% |
| Participation rate | 64.9% | 66.9%-2.0pp | 74.5%-9.6pp | 67.7%-2.8pp |
| Annual return | 13.47% | 25.60%-12.1pp | 24.95%-11.5pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,803 | $3,104-41.9% | $3,871-53.4% | $2,757-34.6% |
| Participant deferral / active EE | $4,284 | $3,871+10.7% | $5,060-15.3% | $4,300-0.4% |
| Admin fee / account holder | $187 | $6,719-97.2% | $8,388-97.8% | $6,925-97.3% |