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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 | $9,755 | $61,356-84.1% | $149,696-93.5% | $71,511-86.4% |
| Participation rate | 26.7% | 62.5%-35.9pp | 78.8%-52.1pp | 67.9%-41.3pp |
| Annual return | 45.85% | 35.86%+10.0pp | 134.46%-88.6pp | 28.86%+17.0pp |
| Employer contribution / active EE | $851 | $2,382-64.3% | $4,821-82.3% | $2,589-67.1% |
| Participant deferral / active EE | $1,662 | $2,920-43.1% | $5,682-70.8% | $4,291-61.3% |
| Admin fee / account holder | $269 | $1,263-78.7% | $13,212-98.0% | $1,588-83.1% |