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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $277,342 | $226,105+22.7% | $182,540+51.9% | $152,897+81.4% |
| Participation rate | 44.4% | 82.5%-38.0pp | 78.0%-33.5pp | 82.5%-38.0pp |
| Annual return | 18.74% | 192.58%-173.8pp | 148.58%-129.8pp | 345.43%-326.7pp |
| Employer contribution / active EE | $790 | $4,978-84.1% | $4,076-80.6% | $4,764-83.4% |
| Participant deferral / active EE | $790 | $6,370-87.6% | $5,525-85.7% | $5,851-86.5% |
| Admin fee / account holder | $0 | $10,706-100.0% | $8,593-100.0% | $11,599-100.0% |