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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 | $1,724 | $51,222-96.6% | $70,544-97.6% | $75,173-97.7% |
| Participation rate | 55.4% | 61.0%-5.6pp | 68.4%-13.0pp | 67.2%-11.8pp |
| Annual return | 134.37% | 30.06%+104.3pp | 32.79%+101.6pp | 160.72%-26.4pp |
| Employer contribution / active EE | $536 | $1,827-70.7% | $2,976-82.0% | $2,671-79.9% |
| Participant deferral / active EE | $1,144 | $2,850-59.9% | $4,568-75.0% | $4,126-72.3% |
| Admin fee / account holder | $145 | $4,096-96.5% | $6,427-97.7% | $5,651-97.4% |