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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 | $297,278 | $180,028+65.1% | $138,135+115.2% | $158,982+87.0% |
| Participation rate | 66.7% | 82.2%-15.6pp | 78.7%-12.0pp | 82.0%-15.3pp |
| Annual return | 13.42% | 21.68%-8.3pp | 20.51%-7.1pp | 302.99%-289.6pp |
| Employer contribution / active EE | $0 | $7,470-100.0% | $5,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $8,900 | $7,717+15.3% | $6,431+38.4% | $5,983+48.7% |
| Admin fee / account holder | $178 | $17,912-99.0% | $11,856-98.5% | $11,252-98.4% |