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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 | $24,692 | $83,090-70.3% | $130,062-81.0% | $71,529-65.5% |
| Participation rate | 51.0% | 74.1%-23.1pp | 78.5%-27.5pp | 67.9%-16.9pp |
| Annual return | 896.39% | 20.61%+875.8pp | -137.37%+1033.8pp | 28.97%+867.4pp |
| Employer contribution / active EE | $890 | $2,624-66.1% | $4,322-79.4% | $2,590-65.6% |
| Participant deferral / active EE | $3,256 | $4,436-26.6% | $5,821-44.1% | $4,291-24.1% |
| Admin fee / account holder | $136 | $1,727-92.1% | $10,601-98.7% | $1,588-91.5% |