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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 | $3,487 | $58,627-94.1% | $76,735-95.5% | $82,448-95.8% |
| Participation rate | 68.0% | 63.2%+4.8pp | 69.5%-1.5pp | 68.1%-0.1pp |
| Annual return | 20.81% | 39.10%-18.3pp | 29.77%-9.0pp | 41.64%-20.8pp |
| Employer contribution / active EE | $934 | $1,729-46.0% | $2,454-61.9% | $2,551-63.4% |
| Participant deferral / active EE | $2,084 | $3,134-33.5% | $4,088-49.0% | $4,139-49.7% |
| Admin fee / account holder | $217 | $5,323-95.9% | $7,189-97.0% | $7,234-97.0% |