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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $137,838 | $129,737+6.2% | $119,126+15.7% | $154,746-10.9% |
| Participation rate | 37.5% | 78.9%-41.4pp | 75.8%-38.3pp | 80.7%-43.2pp |
| Annual return | 14.73% | 379.08%-364.4pp | 282.11%-267.4pp | 172.34%-157.6pp |
| Employer contribution / active EE | $704 | $4,375-83.9% | $4,034-82.5% | $4,379-83.9% |
| Participant deferral / active EE | $2,043 | $5,842-65.0% | $5,318-61.6% | $6,730-69.6% |
| Admin fee / account holder | $229 | $11,961-98.1% | $10,693-97.9% | $14,365-98.4% |