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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 | $12,521 | $71,230-82.4% | $93,727-86.6% | $80,959-84.5% |
| Participation rate | 48.4% | 60.4%-12.0pp | 68.7%-20.3pp | 67.7%-19.3pp |
| Annual return | 15.45% | 11.26%+4.2pp | 133.83%-118.4pp | 35.67%-20.2pp |
| Employer contribution / active EE | $1,475 | $1,565-5.8% | $2,421-39.1% | $2,757-46.5% |
| Participant deferral / active EE | $2,228 | $4,037-44.8% | $4,417-49.6% | $4,300-48.2% |
| Admin fee / account holder | $83 | $6,961-98.8% | $8,292-99.0% | $6,925-98.8% |