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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 | $11,156 | $73,988-84.9% | $96,538-88.4% | $75,177-85.2% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 29.69% | 26.73%+3.0pp | 35.74%-6.0pp | 160.75%-131.1pp |
| Employer contribution / active EE | $1,304 | $2,930-55.5% | $3,740-65.1% | $2,671-51.2% |
| Participant deferral / active EE | $2,639 | $3,660-27.9% | $4,880-45.9% | $4,126-36.1% |
| Admin fee / account holder | $220 | $5,220-95.8% | $6,737-96.7% | $5,651-96.1% |