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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 | $303,161 | $96,678+213.6% | $86,640+249.9% | $139,466+117.4% |
| Participation rate | 25.0% | 74.4%-49.4pp | 71.7%-46.7pp | 80.3%-55.3pp |
| Annual return | 6.60% | 106.69%-100.1pp | 592.52%-585.9pp | 373.66%-367.1pp |
| Employer contribution / active EE | $796 | $3,265-75.6% | $3,024-73.7% | $4,754-83.3% |
| Participant deferral / active EE | $4,564 | $4,837-5.6% | $4,438+2.8% | $6,712-32.0% |
| Admin fee / account holder | $60 | $6,410-99.1% | $5,616-98.9% | $11,409-99.5% |