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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 | $267,799 | $227,399+17.8% | $189,758+41.1% | $198,609+34.8% |
| Participation rate | 64.3% | 84.0%-19.7pp | 79.8%-15.5pp | 82.4%-18.1pp |
| Annual return | 18.42% | 61.03%-42.6pp | 52.62%-34.2pp | 202.70%-184.3pp |
| Employer contribution / active EE | $1,235 | $5,526-77.7% | $4,767-74.1% | $5,055-75.6% |
| Participant deferral / active EE | $3,676 | $6,837-46.2% | $5,856-37.2% | $6,977-47.3% |
| Admin fee / account holder | $107 | $25,162-99.6% | $20,388-99.5% | $19,030-99.4% |