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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 | $12,395 | $72,269-82.8% | $101,271-87.8% | $79,852-84.5% |
| Participation rate | 65.5% | 68.5%-2.9pp | 75.8%-10.3pp | 69.6%-4.1pp |
| Annual return | 17.46% | 22.29%-4.8pp | 46.48%-29.0pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,367 | $2,692-49.2% | $3,660-62.6% | $2,471-44.7% |
| Participant deferral / active EE | $2,011 | $3,282-38.7% | $4,371-54.0% | $3,740-46.2% |
| Admin fee / account holder | $226 | $4,401-94.9% | $5,948-96.2% | $5,306-95.7% |