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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 | $1,374 | $23,330-94.1% | $64,489-97.9% | $82,448-98.3% |
| Participation rate | 69.6% | 68.3%+1.3pp | 67.7%+1.9pp | 68.1%+1.5pp |
| Annual return | 24.83% | 83.66%-58.8pp | 55.03%-30.2pp | 41.64%-16.8pp |
| Employer contribution / active EE | $267 | $824-67.6% | $1,523-82.5% | $2,551-89.5% |
| Participant deferral / active EE | $1,187 | $1,707-30.5% | $2,778-57.3% | $4,139-71.3% |
| Admin fee / account holder | $172 | $2,946-94.2% | $4,260-96.0% | $7,234-97.6% |