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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 | $7,284 | $49,177-85.2% | $79,467-90.8% | $64,173-88.6% |
| Participation rate | 54.5% | 65.0%-10.5pp | 73.3%-18.8pp | 69.6%-15.0pp |
| Annual return | -17.28% | -1.16%-16.1pp | 718.30%-735.6pp | 7.63%-24.9pp |
| Employer contribution / active EE | $1,184 | $2,076-43.0% | $2,800-57.7% | $2,381-50.3% |
| Participant deferral / active EE | $2,061 | $2,821-27.0% | $3,704-44.4% | $3,470-40.6% |
| Admin fee / account holder | $231 | $3,839-94.0% | $5,104-95.5% | $4,887-95.3% |