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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 | $24,305 | $67,606-64.0% | $82,313-70.5% | $70,124-65.3% |
| Participation rate | 54.8% | 72.8%-18.0pp | 76.9%-22.1pp | 69.5%-14.8pp |
| Annual return | 21.67% | 21.57%+0.1pp | 25.88%-4.2pp | 73.14%-51.5pp |
| Employer contribution / active EE | $2,249 | $1,755+28.1% | $2,428-7.4% | $2,342-4.0% |
| Participant deferral / active EE | $3,785 | $2,987+26.7% | $3,706+2.1% | $3,332+13.6% |
| Admin fee / account holder | $122 | $4,512-97.3% | $5,608-97.8% | $4,645-97.4% |