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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 | $211,239+192.6% | $178,528+246.2% | $145,877+323.7% |
| Participation rate | 17.6% | 80.8%-63.1pp | 77.1%-59.5pp | 80.3%-62.7pp |
| Annual return | 38.62% | 30.22%+8.4pp | 27.11%+11.5pp | 551.28%-512.7pp |
| Employer contribution / active EE | $368 | $4,570-91.9% | $3,950-90.7% | $4,663-92.1% |
| Participant deferral / active EE | $4,500 | $6,963-35.4% | $6,278-28.3% | $6,691-32.7% |
| Admin fee / account holder | $1 | $12,095-100.0% | $10,419-100.0% | $13,402-100.0% |