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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 | $329,968 | $124,314+165.4% | $109,163+202.3% | $167,518+97.0% |
| Participation rate | 27.3% | 79.4%-52.2pp | 75.9%-48.6pp | 82.1%-54.8pp |
| Annual return | 11.17% | 26.04%-14.9pp | 25.75%-14.6pp | 478.71%-467.5pp |
| Employer contribution / active EE | $575 | $4,209-86.3% | $3,723-84.6% | $4,838-88.1% |
| Participant deferral / active EE | $4,556 | $5,256-13.3% | $4,654-2.1% | $6,342-28.2% |
| Admin fee / account holder | $0 | $7,973-100.0% | $6,754-100.0% | $12,312-100.0% |