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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 | $889,700 | $29,319+2934.5% | $52,425+1597.1% | $82,448+979.1% |
| Participation rate | 2.3% | 46.9%-44.6pp | 55.6%-53.4pp | 68.1%-65.8pp |
| Annual return | 10.29% | 535.20%-524.9pp | 302.12%-291.8pp | 41.64%-31.4pp |
| Employer contribution / active EE | $150 | $586-74.5% | $914-83.6% | $2,551-94.1% |
| Participant deferral / active EE | $534 | $1,171-54.4% | $1,790-70.2% | $4,139-87.1% |
| Admin fee / account holder | $100 | $1,962-94.9% | $2,495-96.0% | $7,234-98.6% |