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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.
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 | $13,966 | $76,912-81.8% | $129,118-89.2% | $68,490-79.6% |
| Participation rate | 42.5% | 69.1%-26.6pp | 77.2%-34.7pp | 67.9%-25.4pp |
| Annual return | -20.31% | -9.78%-10.5pp | -10.94%-9.4pp | -7.85%-12.5pp |
| Employer contribution / active EE | $909 | $3,243-72.0% | $5,051-82.0% | $2,597-65.0% |
| Participant deferral / active EE | $2,669 | $4,732-43.6% | $6,539-59.2% | $4,028-33.7% |
| Admin fee / account holder | $20 | $6,638-99.7% | $14,305-99.9% | $5,403-99.6% |