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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 | $8,399 | $40,435-79.2% | $80,648-89.6% | $74,473-88.7% |
| Participation rate | 16.1% | 47.4%-31.3pp | 67.0%-50.9pp | 70.7%-54.7pp |
| Annual return | 55.02% | 165.22%-110.2pp | 937.21%-882.2pp | 34.36%+20.7pp |
| Employer contribution / active EE | $439 | $1,498-70.7% | $2,724-83.9% | $2,638-83.4% |
| Participant deferral / active EE | $566 | $2,673-78.8% | $4,443-87.3% | $4,530-87.5% |
| Admin fee / account holder | $90 | $721-87.5% | $5,382-98.3% | $347-74.1% |