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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 | $347,236 | $115,814+199.8% | $101,275+242.9% | $158,982+118.4% |
| Participation rate | 40.0% | 79.4%-39.4pp | 75.8%-35.8pp | 82.0%-42.0pp |
| Annual return | 4.86% | 56.16%-51.3pp | 46.48%-41.6pp | 302.99%-298.1pp |
| Employer contribution / active EE | $1,280 | $4,176-69.3% | $3,660-65.0% | $4,763-73.1% |
| Participant deferral / active EE | $9,570 | $4,958+93.0% | $4,371+119.0% | $5,983+59.9% |
| Admin fee / account holder | $0 | $7,249-100.0% | $5,948-100.0% | $11,252-100.0% |