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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 | $6,907 | $48,235-85.7% | $68,803-90.0% | $68,490-89.9% |
| Participation rate | 65.4% | 60.7%+4.7pp | 69.0%-3.6pp | 67.9%-2.5pp |
| Annual return | -18.53% | -12.70%-5.8pp | -6.37%-12.2pp | -7.85%-10.7pp |
| Employer contribution / active EE | $1,193 | $1,829-34.8% | $2,656-55.1% | $2,597-54.1% |
| Participant deferral / active EE | $1,831 | $2,867-36.1% | $3,942-53.6% | $4,028-54.5% |
| Admin fee / account holder | $67 | $4,361-98.5% | $4,936-98.6% | $5,403-98.8% |