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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 | $25,644 | $67,602-62.1% | $82,312-68.8% | $70,126-63.4% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.9%-19.3pp | 69.5%-12.0pp |
| Annual return | 17.42% | 21.57%-4.1pp | 25.88%-8.5pp | 73.15%-55.7pp |
| Employer contribution / active EE | $2,118 | $1,755+20.7% | $2,428-12.8% | $2,343-9.6% |
| Participant deferral / active EE | $2,882 | $2,987-3.5% | $3,706-22.2% | $3,332-13.5% |
| Admin fee / account holder | $186 | $4,512-95.9% | $5,608-96.7% | $4,645-96.0% |