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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 | $483,211 | $197,625+144.5% | $177,840+171.7% | $158,966+204.0% |
| Participation rate | 25.0% | 88.5%-63.5pp | 87.7%-62.7pp | 82.0%-57.0pp |
| Annual return | 769.53% | 58.76%+710.8pp | 48.32%+721.2pp | 302.95%+466.6pp |
| Employer contribution / active EE | $1,079 | $6,698-83.9% | $5,919-81.8% | $4,762-77.3% |
| Participant deferral / active EE | $5,708 | $8,405-32.1% | $7,714-26.0% | $5,983-4.6% |
| Admin fee / account holder | $0 | $15,405-100.0% | $12,431-100.0% | $11,250-100.0% |