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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 | $265,900 | $92,219+188.3% | $76,768+246.4% | $135,379+96.4% |
| Participation rate | 27.3% | 79.8%-52.5pp | 77.0%-49.7pp | 82.6%-55.4pp |
| Annual return | 70.90% | 5.46%+65.4pp | 2.43%+68.5pp | 519.79%-448.9pp |
| Employer contribution / active EE | $652 | $3,216-79.7% | $2,485-73.8% | $4,779-86.4% |
| Participant deferral / active EE | $876 | $4,508-80.6% | $3,852-77.2% | $5,609-84.4% |
| Admin fee / account holder | $0 | $10,749-100.0% | $6,675-100.0% | $10,828-100.0% |