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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 | $4,172 | $22,602-81.5% | $65,566-93.6% | $75,173-94.5% |
| Participation rate | 57.9% | 63.1%-5.2pp | 64.9%-7.0pp | 67.2%-9.3pp |
| Annual return | -1.20% | 71.13%-72.3pp | 47.40%-48.6pp | 160.72%-161.9pp |
| Employer contribution / active EE | $798 | $941-15.2% | $1,692-52.8% | $2,671-70.1% |
| Participant deferral / active EE | $1,534 | $1,695-9.5% | $2,832-45.8% | $4,126-62.8% |
| Admin fee / account holder | $183 | $1,877-90.3% | $4,114-95.6% | $5,651-96.8% |