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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $96,612 | $86,949+11.1% | $102,460-5.7% | $80,959+19.3% |
| Participation rate | 22.7% | 72.4%-49.7pp | 76.5%-53.8pp | 67.7%-44.9pp |
| Annual return | 13.31% | 18.89%-5.6pp | 29.47%-16.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $683 | $2,370-71.2% | $3,025-77.4% | $2,757-75.2% |
| Participant deferral / active EE | $3,046 | $4,121-26.1% | $5,056-39.8% | $4,300-29.2% |
| Admin fee / account holder | $58 | $8,048-99.3% | $9,460-99.4% | $6,925-99.2% |