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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 | $13,415 | $68,880-80.5% | $120,580-88.9% | $80,959-83.4% |
| Participation rate | 46.3% | 61.7%-15.4pp | 72.0%-25.6pp | 67.7%-21.3pp |
| Annual return | 11.01% | 23.68%-12.7pp | 107.48%-96.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $880 | $2,066-57.4% | $3,469-74.6% | $2,757-68.1% |
| Participant deferral / active EE | $1,121 | $3,191-64.9% | $4,995-77.6% | $4,300-73.9% |
| Admin fee / account holder | $20 | $5,785-99.7% | $9,418-99.8% | $6,925-99.7% |