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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 | $10,795 | $52,580-79.5% | $71,671-84.9% | $70,126-84.6% |
| Participation rate | 55.9% | 60.9%-5.0pp | 68.7%-12.9pp | 69.5%-13.7pp |
| Annual return | 20.72% | 20.25%+0.5pp | 20.65%+0.1pp | 73.15%-52.4pp |
| Employer contribution / active EE | $1,083 | $1,616-33.0% | $2,460-56.0% | $2,343-53.8% |
| Participant deferral / active EE | $2,112 | $2,386-11.5% | $3,438-38.6% | $3,332-36.6% |
| Admin fee / account holder | $26 | $3,653-99.3% | $5,558-99.5% | $4,645-99.4% |