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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $5,061 | $27,639-81.7% | $61,501-91.8% | $68,490-92.6% |
| Participation rate | 68.6% | 39.5%+29.1pp | 52.6%+16.1pp | 67.9%+0.7pp |
| Annual return | -23.63% | -13.19%-10.4pp | 339.04%-362.7pp | -7.85%-15.8pp |
| Employer contribution / active EE | $454 | $696-34.8% | $1,160-60.8% | $2,597-82.5% |
| Participant deferral / active EE | $1,829 | $1,264+44.7% | $2,125-13.9% | $4,028-54.6% |
| Admin fee / account holder | $15 | $2,012-99.2% | $2,132-99.3% | $5,403-99.7% |