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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 | $251,709 | $175,259+43.6% | $149,723+68.1% | $139,487+80.5% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 10.27% | 166.82%-156.6pp | 134.50%-124.2pp | 373.84%-363.6pp |
| Employer contribution / active EE | $14,134 | $5,478+158.0% | $4,821+193.2% | $4,755+197.3% |
| Participant deferral / active EE | $9,144 | $6,522+40.2% | $5,682+60.9% | $6,713+36.2% |
| Admin fee / account holder | $0 | $16,158-100.0% | $13,215-100.0% | $11,407-100.0% |