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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $305,471 | $112,892+170.6% | $90,956+235.8% | $158,931+92.2% |
| Participation rate | 41.7% | 74.7%-33.1pp | 69.0%-27.3pp | 82.0%-40.3pp |
| Annual return | 1.77% | 215.80%-214.0pp | 134.60%-132.8pp | 302.86%-301.1pp |
| Employer contribution / active EE | $1,691 | $2,893-41.5% | $2,122-20.3% | $4,761-64.5% |
| Participant deferral / active EE | $3,798 | $4,127-8.0% | $3,373+12.6% | $5,982-36.5% |
| Admin fee / account holder | $267 | $8,042-96.7% | $5,959-95.5% | $11,247-97.6% |