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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 | $9,155 | $54,541-83.2% | $78,778-88.4% | $70,126-86.9% |
| Participation rate | 68.8% | 60.8%+8.0pp | 69.2%-0.4pp | 69.5%-0.8pp |
| Annual return | 20.23% | 21.07%-0.8pp | 35.62%-15.4pp | 73.15%-52.9pp |
| Employer contribution / active EE | $1,164 | $1,089+6.9% | $1,986-41.4% | $2,343-50.3% |
| Participant deferral / active EE | $1,452 | $2,210-34.3% | $2,958-50.9% | $3,332-56.4% |
| Admin fee / account holder | $53 | $3,709-98.6% | $5,134-99.0% | $4,645-98.9% |