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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $12,086 | $32,117-62.4% | $71,086-83.0% | $64,173-81.2% |
| Participation rate | 68.9% | 42.7%+26.2pp | 54.7%+14.2pp | 69.6%-0.7pp |
| Annual return | -11.76% | -5.57%-6.2pp | 650.59%-662.3pp | 7.63%-19.4pp |
| Employer contribution / active EE | $560 | $712-21.4% | $1,088-48.5% | $2,381-76.5% |
| Participant deferral / active EE | $1,020 | $1,263-19.2% | $1,874-45.6% | $3,470-70.6% |
| Admin fee / account holder | $284 | $2,759-89.7% | $3,082-90.8% | $4,887-94.2% |