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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.
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 | $11,528 | $50,947-77.4% | $74,549-84.5% | $64,173-82.0% |
| Participation rate | 65.8% | 61.1%+4.8pp | 69.1%-3.3pp | 69.6%-3.7pp |
| Annual return | -8.23% | -1.85%-6.4pp | 32.53%-40.8pp | 7.63%-15.9pp |
| Employer contribution / active EE | $717 | $1,115-35.7% | $1,961-63.4% | $2,381-69.9% |
| Participant deferral / active EE | $1,459 | $2,302-36.6% | $3,108-53.1% | $3,470-58.0% |
| Admin fee / account holder | $194 | $4,221-95.4% | $5,059-96.2% | $4,887-96.0% |