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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 | $16,721 | $165,399-89.9% | $149,745-88.8% | $158,982-89.5% |
| Participation rate | 46.2% | 84.6%-38.4pp | 82.5%-36.3pp | 82.0%-35.8pp |
| Annual return | 31.97% | 348.34%-316.4pp | 276.72%-244.7pp | 302.99%-271.0pp |
| Employer contribution / active EE | $1,655 | $5,105-67.6% | $4,646-64.4% | $4,763-65.3% |
| Participant deferral / active EE | $2,760 | $7,183-61.6% | $6,843-59.7% | $5,983-53.9% |
| Admin fee / account holder | $77 | $10,811-99.3% | $9,312-99.2% | $11,252-99.3% |