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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 | $6,471 | $56,894-88.6% | $84,753-92.4% | $62,881-89.7% |
| Participation rate | 66.7% | 68.5%-1.9pp | 76.6%-9.9pp | 69.3%-2.6pp |
| Annual return | 5.37% | 6.30%-0.9pp | 22.78%-17.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $3,469 | $2,400+44.5% | $3,574-3.0% | $2,281+52.1% |
| Participant deferral / active EE | $2,302 | $2,709-15.0% | $3,712-38.0% | $3,203-28.1% |
| Admin fee / account holder | $256 | $3,581-92.9% | $5,333-95.2% | $4,296-94.0% |