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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 | $5,065 | $46,599-89.1% | $64,101-92.1% | $75,173-93.3% |
| Participation rate | 35.3% | 65.9%-30.6pp | 72.3%-37.0pp | 67.2%-31.9pp |
| Annual return | 17.53% | 26.06%-8.5pp | 33.72%-16.2pp | 160.72%-143.2pp |
| Employer contribution / active EE | $563 | $1,975-71.5% | $2,749-79.5% | $2,671-78.9% |
| Participant deferral / active EE | $850 | $2,837-70.1% | $3,881-78.1% | $4,126-79.4% |
| Admin fee / account holder | $88 | $2,956-97.0% | $3,070-97.1% | $5,651-98.5% |