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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 | $86,919+11.2% | $102,457-5.7% | $80,911+19.4% |
| Participation rate | 22.7% | 72.4%-49.7pp | 76.5%-53.8pp | 67.6%-44.9pp |
| Annual return | 13.31% | 18.90%-5.6pp | 29.41%-16.1pp | 35.63%-22.3pp |
| Employer contribution / active EE | $683 | $2,368-71.1% | $3,022-77.4% | $2,756-75.2% |
| Participant deferral / active EE | $3,046 | $4,119-26.1% | $5,054-39.7% | $4,297-29.1% |
| Admin fee / account holder | $58 | $8,049-99.3% | $9,451-99.4% | $6,935-99.2% |