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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 | $15,616 | $154,209-89.9% | $130,062-88.0% | $139,487-88.8% |
| Participation rate | 40.9% | 82.0%-41.1pp | 78.5%-37.6pp | 80.3%-39.4pp |
| Annual return | 22.90% | 32.52%-9.6pp | -137.37%+160.3pp | 373.84%-350.9pp |
| Employer contribution / active EE | $1,882 | $5,292-64.4% | $4,322-56.5% | $4,755-60.4% |
| Participant deferral / active EE | $2,845 | $6,709-57.6% | $5,821-51.1% | $6,713-57.6% |
| Admin fee / account holder | $277 | $13,988-98.0% | $10,601-97.4% | $11,407-97.6% |