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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.
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 | $279,896 | $115,814+141.7% | $101,275+176.4% | $158,982+76.1% |
| Participation rate | 21.4% | 79.4%-57.9pp | 75.8%-54.4pp | 82.0%-60.5pp |
| Annual return | 13.72% | 56.16%-42.4pp | 46.48%-32.8pp | 302.99%-289.3pp |
| Employer contribution / active EE | $442 | $4,176-89.4% | $3,660-87.9% | $4,763-90.7% |
| Participant deferral / active EE | $3,586 | $4,958-27.7% | $4,371-18.0% | $5,983-40.1% |
| Admin fee / account holder | $0 | $7,249-100.0% | $5,948-100.0% | $11,252-100.0% |