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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 | $5,270 | $50,947-89.7% | $74,551-92.9% | $64,173-91.8% |
| Participation rate | 68.6% | 61.1%+7.5pp | 69.1%-0.6pp | 69.6%-1.0pp |
| Annual return | 0.00% | -1.85%+1.9pp | 32.53%-32.5pp | 7.63%-7.6pp |
| Employer contribution / active EE | $1,448 | $1,115+29.9% | $1,961-26.1% | $2,381-39.2% |
| Participant deferral / active EE | $2,341 | $2,302+1.7% | $3,108-24.7% | $3,470-32.5% |
| Admin fee / account holder | $83 | $4,221-98.0% | $5,059-98.4% | $4,887-98.3% |