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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 | $112,933+170.5% | $90,970+235.8% | $158,982+92.1% |
| Participation rate | 41.7% | 74.7%-33.1pp | 69.0%-27.3pp | 82.0%-40.3pp |
| Annual return | 1.77% | 215.82%-214.1pp | 134.60%-132.8pp | 302.99%-301.2pp |
| Employer contribution / active EE | $1,691 | $2,893-41.5% | $2,122-20.3% | $4,763-64.5% |
| Participant deferral / active EE | $3,798 | $4,128-8.0% | $3,373+12.6% | $5,983-36.5% |
| Admin fee / account holder | $267 | $8,047-96.7% | $5,961-95.5% | $11,252-97.6% |