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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 | $618,104 | $211,224+192.6% | $178,505+246.3% | $145,897+323.7% |
| Participation rate | 17.6% | 80.8%-63.2pp | 77.1%-59.5pp | 80.3%-62.7pp |
| Annual return | 38.62% | 30.28%+8.3pp | 27.16%+11.5pp | 552.29%-513.7pp |
| Employer contribution / active EE | $368 | $4,577-91.9% | $3,955-90.7% | $4,663-92.1% |
| Participant deferral / active EE | $4,500 | $6,966-35.4% | $6,280-28.3% | $6,689-32.7% |
| Admin fee / account holder | $1 | $12,109-100.0% | $10,428-100.0% | $13,390-100.0% |