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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $47,842 | $39,245+21.9% | $64,105-25.4% | $52,331-8.6% |
| Participation rate | 65.8% | 58.2%+7.6pp | 68.2%-2.4pp | 68.1%-2.3pp |
| Annual return | -5.22% | 14.79%-20.0pp | 791.24%-796.5pp | 4.54%-9.8pp |
| Employer contribution / active EE | $658 | $736-10.6% | $1,820-63.8% | $1,882-65.0% |
| Participant deferral / active EE | $1,744 | $1,992-12.5% | $2,822-38.2% | $3,022-42.3% |
| Admin fee / account holder | $130 | $592-78.1% | $4,499-97.1% | $592-78.0% |