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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 | $7,308 | $48,364-84.9% | $71,796-89.8% | $62,881-88.4% |
| Participation rate | 63.8% | 60.6%+3.2pp | 69.1%-5.3pp | 69.3%-5.5pp |
| Annual return | 11.40% | 13.16%-1.8pp | 78.04%-66.6pp | 20.14%-8.7pp |
| Employer contribution / active EE | $528 | $1,042-49.3% | $1,924-72.6% | $2,281-76.9% |
| Participant deferral / active EE | $1,213 | $2,091-42.0% | $2,794-56.6% | $3,203-62.1% |
| Admin fee / account holder | $201 | $3,771-94.7% | $4,815-95.8% | $4,296-95.3% |