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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 | $17,510 | $98,776-82.3% | $149,745-88.3% | $79,856-78.1% |
| Participation rate | 40.4% | 75.8%-35.4pp | 82.5%-42.1pp | 69.6%-29.3pp |
| Annual return | 91.93% | 27.38%+64.6pp | 276.72%-184.8pp | 31.71%+60.2pp |
| Employer contribution / active EE | $1,574 | $3,217-51.1% | $4,646-66.1% | $2,471-36.3% |
| Participant deferral / active EE | $3,148 | $5,681-44.6% | $6,843-54.0% | $3,741-15.9% |
| Admin fee / account holder | $198 | $6,053-96.7% | $9,312-97.9% | $5,306-96.3% |