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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 | $19,216 | $65,034-70.5% | $90,970-78.9% | $79,856-75.9% |
| Participation rate | 67.6% | 61.6%+6.0pp | 69.0%-1.4pp | 69.6%-2.0pp |
| Annual return | 28.38% | 30.45%-2.1pp | 134.60%-106.2pp | 31.71%-3.3pp |
| Employer contribution / active EE | $2,285 | $1,247+83.2% | $2,122+7.7% | $2,471-7.5% |
| Participant deferral / active EE | $3,889 | $2,512+54.8% | $3,373+15.3% | $3,741+4.0% |
| Admin fee / account holder | $49 | $4,536-98.9% | $5,961-99.2% | $5,306-99.1% |