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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 | $1,976 | $51,222-96.1% | $70,544-97.2% | $75,173-97.4% |
| Participation rate | 59.7% | 61.0%-1.2pp | 68.4%-8.6pp | 67.2%-7.5pp |
| Annual return | 102.72% | 30.06%+72.7pp | 32.79%+69.9pp | 160.72%-58.0pp |
| Employer contribution / active EE | $527 | $1,827-71.1% | $2,976-82.3% | $2,671-80.3% |
| Participant deferral / active EE | $971 | $2,850-65.9% | $4,568-78.7% | $4,126-76.5% |
| Admin fee / account holder | $71 | $4,096-98.3% | $6,427-98.9% | $5,651-98.7% |