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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 | $181,062+231.7% | $158,223+279.6% | $155,188+287.0% |
| Participation rate | 44.4% | 82.7%-38.2pp | 79.2%-34.8pp | 80.8%-36.4pp |
| Annual return | 19.91% | 57.39%-37.5pp | 52.09%-32.2pp | 148.84%-128.9pp |
| Employer contribution / active EE | $2,931 | $4,565-35.8% | $4,109-28.7% | $4,248-31.0% |
| Participant deferral / active EE | $608 | $6,134-90.1% | $5,467-88.9% | $6,531-90.7% |
| Admin fee / account holder | $110 | $18,825-99.4% | $16,047-99.3% | $14,480-99.2% |