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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 | $20,196 | $176,077-88.5% | $159,455-87.3% | $167,518-87.9% |
| Participation rate | 50.0% | 84.9%-34.9pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 15.86% | 331.83%-316.0pp | 263.63%-247.8pp | 478.71%-462.8pp |
| Employer contribution / active EE | $2,421 | $5,298-54.3% | $4,830-49.9% | $4,838-50.0% |
| Participant deferral / active EE | $4,332 | $7,751-44.1% | $7,353-41.1% | $6,342-31.7% |
| Admin fee / account holder | $156 | $12,556-98.8% | $10,800-98.6% | $12,312-98.7% |