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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.
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 | $10,004 | $68,852-85.5% | $120,524-91.7% | $80,925-87.6% |
| Participation rate | 55.8% | 61.6%-5.8pp | 71.9%-16.1pp | 67.7%-11.8pp |
| Annual return | 15.36% | 23.67%-8.3pp | 107.36%-92.0pp | 35.65%-20.3pp |
| Employer contribution / active EE | $213 | $2,063-89.7% | $3,469-93.9% | $2,756-92.3% |
| Participant deferral / active EE | $1,181 | $3,187-62.9% | $4,994-76.3% | $4,299-72.5% |
| Admin fee / account holder | $196 | $5,781-96.6% | $9,440-97.9% | $6,940-97.2% |