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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $600,537 | $185,312+224.1% | $161,489+271.9% | $154,746+288.1% |
| Participation rate | 44.4% | 82.5%-38.0pp | 78.7%-34.3pp | 80.7%-36.3pp |
| Annual return | 19.91% | 103.84%-83.9pp | 89.72%-69.8pp | 172.34%-152.4pp |
| Employer contribution / active EE | $2,931 | $4,769-38.5% | $4,268-31.3% | $4,379-33.1% |
| Participant deferral / active EE | $608 | $6,350-90.4% | $5,630-89.2% | $6,730-91.0% |
| Admin fee / account holder | $110 | $18,654-99.4% | $16,006-99.3% | $14,365-99.2% |