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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 | $12,240 | $63,082-80.6% | $81,726-85.0% | $79,856-84.7% |
| Participation rate | 47.5% | 67.5%-20.0pp | 72.0%-24.5pp | 69.6%-22.1pp |
| Annual return | 65.52% | 22.66%+42.9pp | 29.49%+36.0pp | 31.71%+33.8pp |
| Employer contribution / active EE | $1,483 | $1,795-17.4% | $4,311-65.6% | $2,471-40.0% |
| Participant deferral / active EE | $2,487 | $2,780-10.5% | $7,108-65.0% | $3,741-33.5% |
| Admin fee / account holder | $75 | $4,428-98.3% | $5,160-98.5% | $5,306-98.6% |