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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 | $395,422 | $134,817+193.3% | $123,973+219.0% | $155,188+154.8% |
| Participation rate | 42.9% | 79.4%-36.5pp | 76.7%-33.8pp | 80.8%-37.9pp |
| Annual return | 19.83% | 515.49%-495.7pp | 388.13%-368.3pp | 148.84%-129.0pp |
| Employer contribution / active EE | $0 | $4,425-100.0% | $4,126-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $3,977 | $5,706-30.3% | $5,247-24.2% | $6,531-39.1% |
| Admin fee / account holder | $287 | $13,245-97.8% | $11,799-97.6% | $14,480-98.0% |