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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 | $21,275 | $62,583-66.0% | $76,767-72.3% | $64,173-66.8% |
| Participation rate | 65.6% | 72.8%-7.2pp | 77.0%-11.3pp | 69.6%-3.9pp |
| Annual return | -3.91% | -1.95%-2.0pp | 2.43%-6.3pp | 7.63%-11.5pp |
| Employer contribution / active EE | $1,365 | $1,832-25.5% | $2,485-45.1% | $2,381-42.7% |
| Participant deferral / active EE | $2,460 | $3,145-21.8% | $3,852-36.1% | $3,470-29.1% |
| Admin fee / account holder | $214 | $4,667-95.4% | $6,675-96.8% | $4,887-95.6% |