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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 | $433,983 | $73,546+490.1% | $63,018+588.7% | $147,586+194.1% |
| Participation rate | 33.3% | 77.9%-44.5pp | 74.8%-41.5pp | 82.8%-49.5pp |
| Annual return | 5.70% | 175.56%-169.9pp | 87.62%-81.9pp | 578.59%-572.9pp |
| Employer contribution / active EE | $9,523 | $3,324+186.5% | $2,761+244.9% | $4,876+95.3% |
| Participant deferral / active EE | $12,907 | $4,185+208.4% | $3,330+287.6% | $5,439+137.3% |
| Admin fee / account holder | $0 | $5,956-100.0% | $3,601-100.0% | $10,886-100.0% |